Insurance claim

[Pool]

We had a great flood last week and trailer had 5' of water in it. Adjuster said they will have to get a third party appraisal to determine if total loss.
Trailer had full coverage and any insight on the claim process is appreciated.
Wide range listed for current units for sale and NADA price guide.
2009 Keystone Bullet 295bhs

[Bumpyroad]

Ozlander wrote:

Bumpyroad wrote:
that's why I put some 90 degree throw gate valves (or ball??) on my incoming water, easy to quickly turn off when I'm leaving the RV.

How does that stop a flood 5' deep????

I believe that the story was about a couple that left to go shopping for a couple of hours and the toilet overflowed because the valve stuck. when I shut off water coming into the RV the toilet can't overflow.
bumpy

[Ozlander]

Bumpyroad wrote:
that's why I put some 90 degree throw gate valves (or ball??) on my incoming water, easy to quickly turn off when I'm leaving the RV.

How does that stop a flood 5' deep????

[Bumpyroad]

that's why I put some 90 degree throw gate valves (or ball??) on my incoming water, easy to quickly turn off when I'm leaving the RV.

[myredracer]

Sorry to hear about that. Definitely a total loss and not repairable, unless you totally dismantled the entire thing down to a bare frame and rebuilt it from scratch - simply not economically feasible. The FW in this video only had a leaking toilet and it ended up being a total loss.

leaking toilet

[RollandB]

Pool, I would guess your policy is an ACV (actual cash value) policy. Most policies that provide replacement cost only do that for the first few model years but you never know till you read the policy for. You could also have an agreed value. It my bet would be ACV.

how Allstate determines their value could be simply looking at a book value. If I have a rig totaled I would look at Nada (they have a pretty good detailed way to determine value) but the one thing I don't like with Nada is they don't have an adjustment by Zip Code. After I print off that I would then look at RV Trader or any online classified listing. I would first look for your spherical rig. You might have to do a long range search to get compatibles . If you don't find enough compatibles I'd look for similar models. Keep copies of what you find for when Allstate gives you a figure.

Bottom line, they should have a value that represents what you can buy the same year, make, model with options and in the same condition, minus your comprehensive deductible.

[doxiemom11]

All insurance companies have to write their share of high risk policies so that the high risk is spread among them all and no one company gets stuck with all the claims. Progressive IS NOT a high risk policy company only. The flood/water damage is covered under the comprehensive coverage, minus your deductible and possibly some depreciation, depending on the riders you selected.

[NYCgrrl]

Pool wrote:
We have Allstate auto with comprehensive insurance which does cover flooding

I used pool because it's what I do and finding a screen name for everything is is odd

I was sure it's a total lose after watching it tilt to one side

Mostly curious about how they determine value for replacement, NADA or what the same trailer is selling for?

Depends in part on how your policy is written. You should be looking for words like "full replacement coverage"; "guaranteed replacement coverage";"actual cash value coverage".

The best to have would be "guaranteed"; 2nd best is "full replacement", and "actual cash" is the least favorable for your needs.

You will find this info on your annual "Declaration" statement.

HTH and best of luck.

[DwayneN]

I agree with those who say don't accept anything except a total loss. Water and RVs don't mix!

As for insurance we went with the Good Sam (National General) 100% replacement policy. Luckily we haven't had to collect but the idea of a new trailer replacement (for 4 or 5 years can't recall which) was a comfortable thought given how fast RVs depreciate. The policy costs $260/year but let's us sleep well.

[Pool]

We have Allstate auto with comprehensive insurance which does cover flooding

I used pool because it's what I do and finding a screen name for everything is is odd

I was sure it's a total lose after watching it tilt to one side

Mostly curious about how they determine value for replacement, NADA or what the same trailer is selling for?

[RollandB]

Flood for an RV usually is not excluded, but pull out your policy and read it. I can't see anything other than a total loss when you think about soaked insulation, wiring, things like a water pump and furnace, then add to the potential for delamination and mold. Personally I wouldn't accept anything other than mine being totaled.

[beemerphile1]

A flooded trailer is a totaled trailer, don't let the insurance company tell you different.

Remember, everything is negotiable. Gather your receipts for any upgrades you have made. Start researching what similar trailers are selling for. The first offer they make will be a low ball offer that they expect only fools will accept.

Progressive is a 'high risk' insurance company and is developing a reputation for refusing claims for ridiculous reasons.

[bob_nestor]

Guy Roan wrote:
What insurance company are you with ?

We just bought a 2016 brand new 38 footer and are thinking of going with Progressive, but haven't quite decided yet.

Guy

Can't say anything about Progressive in other States, but here in Texas I've had excellent service and coverage. Had a brand new RV totaled while on my first trip out of State with it. The Progressive agent declared it totaled before even getting within 50 ft of the pile of ruble and taking pictures. The check was waiting for me when I got home, and I had a full replacement value rider on the policy. My rates didn't go up after that claim (although it was the other guy's fault), and in fact my rates even with full replacement coverage have declined over the years. The kicker is I get a discount on the RV because I have multiple vehicles covered by Progressive and my other vehicle is a motorcycle.

[colliehauler]

I don't think it is the same as a home where you have to have a separate policy to cover floods. I would be willing to bet they would total it. Ounce you have water the OSB falls apart so floors and cabinets would be ruined along with damage to inner walls as well. Time to shop for a new camper.

[Bumpyroad]

DutchmenSport wrote:
Ha! now don't be surprised if you are denied anything on your claim because you did not have "flood insurance." You may think this is a funny statement, but I'm serious!

that thought hadn't crossed my mind before. is it different for a movable unit vs a fixed in place house? do you have contributory negligence for not moving it to higher ground? are those folks who intentionally drive into too deep water covered?
bumpy