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

5ft in the trailer? I,m not a rocket expert but I,d say thats a total loss.

I was guessing that also but maybe that something they just have to say.

I would be hoping they declare it a total loss.

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!

If Progressive, needs to immediate and sudden. Wait first they want proof you maintained your seals so water can't get in.

Insurance claim | Good Sam Community

midnightsadie
Explorer II
Apr 29, 2016
5ft in the trailer? I,m not a rocket expert but I,d say thats a total loss.
Pool
Explorer
Apr 29, 2016
I was guessing that also but maybe that something they just have to say.
gbopp
Explorer
Apr 29, 2016
I would be hoping they declare it a total loss.
DutchmenSport
Explorer
Apr 29, 2016
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!
mcguirehg
Explorer
Apr 29, 2016
If Progressive, needs to immediate and sudden. Wait first they want proof you maintained your seals so water can't get in.
azdryheat
Explorer
Apr 29, 2016
POOL - I'd change my screen-name since your RV became one. Bad Karma, man. lol
Guy_Roan
Explorer
Apr 29, 2016
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
Bumpyroad
Explorer
Apr 29, 2016
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
colliehauler
Explorer III
Apr 29, 2016
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.
bob_nestor
Explorer III
Apr 29, 2016
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.