Insurance Company giving me a hard time
2001 Trail-lite 5280-s 5th wheel camper. I have owned it since 2002 (purchased from dealer new as last years inventory). Camper is stored out doors since day one in Michigan. Well, we had record sn...
Forum Discussion
Trying to respond to all the posts, sorry, I work full time and just got home from work and discovered two more pages of posts. Thanks for the information/conversation.
Also had a interesting twist today. I also have an appointment with a lawyer on Tuesday for this issue.
The original complaint to my insurance company was placed by me in May. The insurance company contacted the independent inspector June 24th. The inspector checked out the Camper July 9th and mailed his information to the insurance company on 7/23.
I contacted insurance company the first few days of august, and was told they needed to "go over the information" and would call me back. I went on vacation, never received any type of contact via phone or mail, so called them this past Thursday. A couple of days of phone tag and we are now here.
I had a lengthy talk with the independent inspector today, and he was surprised. He then emailed me a copy of the document he sent to the insurance company, gave me the dates he was contacted and inspected it. I specifically asked him if there was any signs of water damage. His reply was "no water damage, I am surprised that there is no water damage, and I have denied a lot of them this year for water damage, but yours does not have water damage".
He even reaffirmed that there is an obvious depression in the roof visible from the outside, as well as the sagging of the entire roof section on the inside (contradicts what the insurance company told me). The interior panels are still attached to the underlying structure. It is the structure that is moving.
Yes, I can move the whole thing up and down roof and all with my hands.
Getting back to the appraiser, he was very specific about the water, and was very specific that this was from the weight of the snow.
BTW, my brothers camper, my brother in laws camper, my fathers camper, and my uncles camper all sat in the same area (50 feet away)with no damage, and my dads camper was made in 1967! Not sure what that means, but is an observation I will point out.
So do things break or fail and people file a claim with their insurance company and the insurance company fixes it? I think that's what insurance is for?
Does an insurance company send out an independent agent/appraiser to inspect the camper, then he authorizes the repair, but the insurance company over rides that and "invents" some BS about water damage, is that ethical? I think thats a blatant attempt to avoid payment despite the inspectors findings? What did they hire him for in the first place?
The attorney I spoke with today told me to not talk with the insurance company and to get a copy of my policy, and we will meet on Tuesday. Not gonna mention the insurance companies name till I speak with the attorney. Put yourself in my shoes. I have never needed a lawyer except for routine real estate, etc. so this is all new ground for me. KD
Also had a interesting twist today. I also have an appointment with a lawyer on Tuesday for this issue.
The original complaint to my insurance company was placed by me in May. The insurance company contacted the independent inspector June 24th. The inspector checked out the Camper July 9th and mailed his information to the insurance company on 7/23.
I contacted insurance company the first few days of august, and was told they needed to "go over the information" and would call me back. I went on vacation, never received any type of contact via phone or mail, so called them this past Thursday. A couple of days of phone tag and we are now here.
I had a lengthy talk with the independent inspector today, and he was surprised. He then emailed me a copy of the document he sent to the insurance company, gave me the dates he was contacted and inspected it. I specifically asked him if there was any signs of water damage. His reply was "no water damage, I am surprised that there is no water damage, and I have denied a lot of them this year for water damage, but yours does not have water damage".
He even reaffirmed that there is an obvious depression in the roof visible from the outside, as well as the sagging of the entire roof section on the inside (contradicts what the insurance company told me). The interior panels are still attached to the underlying structure. It is the structure that is moving.
Yes, I can move the whole thing up and down roof and all with my hands.
Getting back to the appraiser, he was very specific about the water, and was very specific that this was from the weight of the snow.
BTW, my brothers camper, my brother in laws camper, my fathers camper, and my uncles camper all sat in the same area (50 feet away)with no damage, and my dads camper was made in 1967! Not sure what that means, but is an observation I will point out.
So do things break or fail and people file a claim with their insurance company and the insurance company fixes it? I think that's what insurance is for?
Does an insurance company send out an independent agent/appraiser to inspect the camper, then he authorizes the repair, but the insurance company over rides that and "invents" some BS about water damage, is that ethical? I think thats a blatant attempt to avoid payment despite the inspectors findings? What did they hire him for in the first place?
The attorney I spoke with today told me to not talk with the insurance company and to get a copy of my policy, and we will meet on Tuesday. Not gonna mention the insurance companies name till I speak with the attorney. Put yourself in my shoes. I have never needed a lawyer except for routine real estate, etc. so this is all new ground for me. KD
