RV insurance claim - flood

[tourusa]

Hi all need some advice we are on a trip and suffered flood damage and want some advice on dealing with Allstate insurance on what we can claim whilst it’s being repaired.

Can we claim hotel food etc

Pretty urgent on how best to handle Allstate

[Grit_dog]

It’s unfortunate that some don’t understand or don’t take the time to understand what they’re paying for and/or subsequently get mislead.
And the insurance industry is right up there with takin your money and not giving the best value for it.
Case in point recently, our insurance carrier, been good, no real issues with them, but a rate hike on something prompted me to dig into the whole policy. Hadn’t done that for about 5 years.
Got another quotes for comparison and working with our current company/agent somehow our whole policy went down almost 2 grand per year!

[Cummins12V98]

If you don't have the coverage you think you should then shame on you! You need to be VERY specific of your coverage requirements when getting a price as they will keep it as cheap as they can to get another customer.

Cousin just tole me of how they just spent several hundred dollars on having a new windshield on a newer SUV installed. I said why not turn it on your comprehensive glass coverage. Blank look response! Then I told him it's cheap for $100 deductible. I them told him it only cost me $100 for a $1,500 OE RAM windshield. I'm thinking he called his agent the next day.

[dedmiston]

There's definitely a difference between "I'm sad/mad that I don't have this coverage" and "I paid for the coverage but they're denying my claim". It sounds to me like this falls under the "no coverage" category. It's a shame, but there really isn't anybody to be mad at and there isn't any recourse.

[Grit_dog]

This is turning into total supposition on all our parts as the OP hasn’t provided enough verifiable info to determine. (Likely why he either is or feels like he is getting slighted by the ins co)

[RLS7201]

If you feel like you are not being treated well by your insurance company, contact the state insurance agency. They are you advocate.
I have used them here in MO. with positive results.

Richard

[nickthehunter]

No one anywhere in the world can tell you what "is" or "is not" covered without seeing the declarations page, proof of payment of premium, and a copy of the policy. Any opinion minus those documents is just that "opinion", not to be confused with facts. In short, you're barking up the wrong tree.

[Cummins12V98]

dedmiston wrote:
If it were me I would call Allstate's claims office instead of your agent. The agent is probably right, but might not be. The agents don't have the authority or expertise to approve or deny a claim.

YES, that is what I should have suggested in the first place!

[midnightsadie]

call the main office get your info.curious would reg mh be covered or a trailer type rv. I don,t by the idea its a fw so its not covered,why?

[tourusa]

So the adjuster is saying they don’t pay hotel whilst the rv is being fixed and to claim via home insurance very weird

[tourusa]

Thanks, first is the inspection tomorrow then will start the process of dealing with the adjuster if it’s not gonna well then may need a claims adjuster on my side

[dedmiston]

If it were me I would call Allstate's claims office instead of your agent. The agent is probably right, but might not be. The agents don't have the authority or expertise to approve or deny a claim.

[Grit_dog]

tourusa wrote:
Spoke to my agent and they said they won’t cover hotels due to it being a fifth wheel

Well if you just posted YOUR policy above and not some general info it says you have loss of use coverage.
As to the agent saying no because it’s a 5ver sounds totally suspect like a janky insurance agent….

And your policy terms (if they’re yours) read like a full timers policy as does your initial post, so figure out what you have if any for loss of use coverage. We can’t read your policy unless you post it for us. But loss of use will likely just be a $amount cap.

[schlep1967]

From your last 3 posts, if you don't have "Emergency expense" on your policy, I wouldn't think it would.
Again, find and read your policy. Your agent saying it won't cover it because it is a fifthwheel does not seem logical. If he says it's not covered because you do not have emergency expense coverage, that would make sense.

[tourusa]

Spoke to my agent and they said they won’t cover hotels due to it being a fifth wheel

[tourusa]

The list off the website of coverage

Protect your home away from home.
The unexpected is part of the thrill when you’re checking out the sights from your home on wheels. With RV insurance you can make sure that whatever comes your way, your property and passengers will be protected.

Bodily injury liability
Protects you and other insured drivers if one of you injures someone in a covered accident that you're legally liable for.
Property damage liability
Protects you and other insured drivers if one of you damages another person's property in a covered accident that you're legally liable for.
Collision coverage
Helps pay for the damages when your RV is in a covered accident.
Comprehensive coverage
Covers damage to your RV caused by non-collision losses, such as falling objects, fire, theft, vandalism and flood.
Personal effects coverage
Covers personal property in your RV when it's damaged or destroyed as part of a covered collision or comprehensive loss.
Medical payments coverage
Covers necessary medical treatment if you or your passengers get injured in a covered accident.
Personal injury protection coverage (PIP)
Covers reasonable and necessary medical, rehab or funeral expenses if you or your passengers are in a covered accident. It even covers work loss, survivors' loss and essential services, like household maintenance. The coverage varies by state, and you might hear it called "no-fault" insurance.
Uninsured & underinsured motorist coverage
Covers you if a driver who has no insurance causes injury to you or your passengers. It also applies if the driver doesn't have enough insurance to cover the damage they've caused you.
Towing and labor costs coverage
Covers the cost of labor done on the spot and the cost of towing if your RV breaks down.
Total loss replacement
Replaces your RV with a new one of the same model year and or newer and of the same value if your RV is totaled.
Vacation liability
Provides liability protection if someone is injured in or around your RV while you are on vacation.
Emergency expense
Provides coverage for travel expenses, such as transportation and hotel costs, if your RV becomes disabled due to a covered loss over 50 miles from home.
Full timer’s liability coverage
Provides liability coverage, like homeowners, when the RV is used as a permanent residence more than six months per year.
Pet coverages
Included with your policy, we provide coverage if your cat or dog is injured in an accident while in your RV.
Tow bar coverages
Included with your policy. If your tow bar is damaged in a loss, there is coverage for that too.