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

[opnspaces]

Grit dog wrote:
Back to replying to myself….lol.
OP you don’t see it but I see it clearly with my in-laws. While they are still doin their thing just fine. Keeping up the house, traveling, both drive still, a couple of once very intelligent management level folks are now befuddled by things like cell phone contracts.
It happens.
But they also absolutely refuse to let any of their 3 kids know any of their financial and “business”(like insurance and stuff) information. Nor are they willing to even discuss.
And they’re on the cusp of being very vulnerable financially from all fronts.
And it’s not that there are any issues with trust specifically with any of their kids.
They’re hanging on to their “independence” and little things are beginning to bite them because they don’t possess the ability to be as well informed as they used to.
It’s a tough position to be in as those who care for them, as one big mistake and they are sitting with nothing left because they were either taken advantage of (both legally or illegally) or they are gonna make an I’ll informed decision.

Saw it happen with my mom too and she was only in her late 60s. I am the responsible child and my sister has a plethora of mental and addiction problems. Mom wouldn’t confide in me because she “knew what she was doing” and I mopped up the mess with what was left after my sister stole all her retirement…
If any of this hits home with the OP or anyone, no need to thank me. You can call me a pos for hypothetically calling you out if you want. I don’t care. But if it makes you think and helps prompt you to get some help understanding…whatever, I’m glad and that’s why I wrote all this.

Grit I have to say I do agree with you on all said. I too am seeing some of what you are are talking about with my mother. It's easy to see and recognize a reduction of physical abilities. But it's a lot harder to realize or accept that they are not as young mentally as they used to be.

[dedmiston]

Grit dog wrote:
Back to replying to myself….lol.

Isn't there a saying that an Irishman has to talk to himself or The Almighty to speak with his equal?

[tourusa]

Thanks and I do agree, we have a list of what we can see and are asking for an estimate from the rv dealer to then assess

[Grit_dog]

Back to replying to myself….lol.
OP you don’t see it but I see it clearly with my in-laws. While they are still doin their thing just fine. Keeping up the house, traveling, both drive still, a couple of once very intelligent management level folks are now befuddled by things like cell phone contracts.
It happens.
But they also absolutely refuse to let any of their 3 kids know any of their financial and “business”(like insurance and stuff) information. Nor are they willing to even discuss.
And they’re on the cusp of being very vulnerable financially from all fronts.
And it’s not that there are any issues with trust specifically with any of their kids.
They’re hanging on to their “independence” and little things are beginning to bite them because they don’t possess the ability to be as well informed as they used to.
It’s a tough position to be in as those who care for them, as one big mistake and they are sitting with nothing left because they were either taken advantage of (both legally or illegally) or they are gonna make an I’ll informed decision.

Saw it happen with my mom too and she was only in her late 60s. I am the responsible child and my sister has a plethora of mental and addiction problems. Mom wouldn’t confide in me because she “knew what she was doing” and I mopped up the mess with what was left after my sister stole all her retirement…
If any of this hits home with the OP or anyone, no need to thank me. You can call me a pos for hypothetically calling you out if you want. I don’t care. But if it makes you think and helps prompt you to get some help understanding…whatever, I’m glad and that’s why I wrote all this.

[Grit_dog]

For a real sanity check, do you have anyone in your life you can trust to “handle the insurance” for you? I’d suggest it.
RV dealer handling your insurance is like letting a used car salesmen handle your retirement investments!

[tourusa]

Not at all I rely on rv.net as my sanity check always thanks

[Cummins12V98]

tourusa wrote:
Thanks all I’ve returned to the dealer who I purchased the fifth wheel from and they are handling the insurance , will advise once I have an update thanks for all your feedback

Thanks for the update! Many simply don't followup.

[tourusa]

Thanks all I’ve returned to the dealer who I purchased the fifth wheel from and they are handling the insurance , will advise once I have an update thanks for all your feedback

[Grit_dog]

2 posts in a row largely unrelated is replying to myself?
Just tryin to help the OP see what may be happening. Since they obviously don’t know, was thinkin all helpful suggestions welcome?

[Boon_Docker]

^^^ LOL :B :B :B
Yup, he's a funny guy.

[dedmiston]

Replying to yourself, Grit? :B

[Grit_dog]

Being with my in-laws here currently, I totally understand how these types of things are especially confusing for folks who may be gettin up there in age.
Heck, it’s probably not easy for some others as well.
But literally nothing will be resolved until the insured understands the terms of their policy.
And if unable to by themselves and thinking a runaround is happening from the ins co, then please find someone, a family friend or relative who is well read to help you understand your policy terms.
I’m sorry for your loss/damage and the hassle but there’s a few things at play here that need someone of more sound mind to iron out the options and issues.

[Grit_dog]

Yup 10-4. I find we’re either switching carriers or the existing carrier is making changes every 4-5 years.
Sometimes they’ll play. Sometimes they don’t.

[Cummins12V98]

Grit dog wrote:
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!

They figure at a certain year you really don't pay attention the the policy price and start bumping it beyond the normal cost increases.