My camper is in the river now

[nal13]

In Minong, WI, by the Totagatic River.


Any advice on negotiating with the insurance company. I described the damage to them and they said it's almost always a total loss in that situation. The camper is not accessible at the moment for an adjuster to get there. They said they just need someone to take pictures.

[spoon059]

Rootus wrote:
Where does it say they left with a broken pipe spewing water into the house?

moebedick wrote:
We had a water pipe break (couldn't get to main shut off when running out to airport limousine,thought,what's the worst that could happen?)

Right there...

[Bumpyroad]

Rootus wrote:
Where does it say they left with a broken pipe spewing water into the house? Sounds more like someone left on vacation and was needing to get out the door fast because their ride was waiting, and decided they didn't have time to turn the valve at the meter and it was a low risk. Turns out they were wrong and a pipe broke while they were away, and 150,000 gallons later, they got home to find a huge mess.

you answered your own question, he admitted to leaving it running.
bumpy

[nal13]

NJ6PACK wrote:
Sorry about your loss....

Getting a little off topic I have a hypatheticle question....If the insurance company totals it can I come along and buy the TTas is with a salvage title?

If someone who is handy and did do this it seems like they could get a TT for pennys on the dollar then fix it up (like flooded home owners do all the time) then they would have a "new" TT .....I know flood damage is always bad but in this case it only seems like the bottom foot only got wet.

I was thinking about doing this, but scraping the camper and using the frame as a utility trailer.

[Mfan]

Off topic but, can the campground now charge extra for waterfront sites?

[Rootus]

3oaks wrote:

DownTheAvenue wrote:

moebedick wrote:
Please,hire your own Public Adjuster to work in your behalf. I have had experiences dealing with insurance companies that have taught me well. We had a water pipe break (couldn't get to main shut off when running out to airport limousine,thought,what's the worst that could happen?) and had 150,000 gallons of water (measured by meter) flow down through the house in ten days. Insurance offered us $80,000 in compensation and dug their heels in. I hired an adjuster to negotiate,and the final settlement totaled $273,000! He was worth every cent we paid.
I'm sorry for the predicament you've been thrust into,but don't rush to settle. Bumpy road is absolutely right. You should feel "reasonably" compensated. If not,fight back.

You left your house for 10 days knowing you had a broken water pipe spewing water inside? WOW! You were lucky the insurance company paid anything, as you have an absolute duty to mitigate damage and that would have been to turn off the water. I am sorry you had to deal with that but glad it did seem to work out.

I thought that I was the only one that caught that. It's no wonder why everybody's insurance premiums are sky rocketing when the insurance companies payout for that kind of NEGLECT!

Where does it say they left with a broken pipe spewing water into the house? Sounds more like someone left on vacation and was needing to get out the door fast because their ride was waiting, and decided they didn't have time to turn the valve at the meter and it was a low risk. Turns out they were wrong and a pipe broke while they were away, and 150,000 gallons later, they got home to find a huge mess.

[3oaks]

DownTheAvenue wrote:

moebedick wrote:
Please,hire your own Public Adjuster to work in your behalf. I have had experiences dealing with insurance companies that have taught me well. We had a water pipe break (couldn't get to main shut off when running out to airport limousine,thought,what's the worst that could happen?) and had 150,000 gallons of water (measured by meter) flow down through the house in ten days. Insurance offered us $80,000 in compensation and dug their heels in. I hired an adjuster to negotiate,and the final settlement totaled $273,000! He was worth every cent we paid.
I'm sorry for the predicament you've been thrust into,but don't rush to settle. Bumpy road is absolutely right. You should feel "reasonably" compensated. If not,fight back.

You left your house for 10 days knowing you had a broken water pipe spewing water inside? WOW! You were lucky the insurance company paid anything, as you have an absolute duty to mitigate damage and that would have been to turn off the water. I am sorry you had to deal with that but glad it did seem to work out.

I thought that I was the only one that caught that. It's no wonder why everybody's insurance premiums are sky rocketing when the insurance companies payout for that kind of NEGLECT!

[NJ6PACK]

Sorry about your loss....

Getting a little off topic I have a hypatheticle question....If the insurance company totals it can I come along and buy the TTas is with a salvage title?

If someone who is handy and did do this it seems like they could get a TT for pennys on the dollar then fix it up (like flooded home owners do all the time) then they would have a "new" TT .....I know flood damage is always bad but in this case it only seems like the bottom foot only got wet.

[ford_truck_guy]

I would not hire a PA until you feel as though you are not being treated fair... You may leave money on the table if you hire one before knowing the settlement offer.

[DutchmenSport]

Flood insurance on a house is far different than any other kind of insurance. I know, we have flood insurance on our house. It's a federal insurance, separate from your home owners, and subject to a bazillion rules. We filed a claim a few years ago (so we found out). Insurance on your trailer should cover. This would probably fall under the same category as a tree branch falling on your roof and putting a hole in it, although much more serious.

Water damage from a broken pipe may be on YOU for the repair. Water damage from a flooded river should fall under that same category as a tree branch.

Why not have the adjuster get a row boat and row out to the camper? Good luck entering the inside though!

Hey, for what it's worth ... that's a great photo! Thanks for sharing! Hope this works out ok for you too. (Keep a positive outlook, "this too shall pass!")

[kevinbti]

Hire a PA so they take 33 percent of the money you are entitled to, and drag out the claim process in order to increase there bottom line, please. No wonder why our insurance cost are where they are. This is simple comp loss that can be settled very easily. Our company standard if it hits the door lever its a total. Is sounds like to me you are trying to go through the campground insurance, if so I would suggest you file under your own insurance as well.

[DownTheAvenue]

moebedick wrote:
Please,hire your own Public Adjuster to work in your behalf. I have had experiences dealing with insurance companies that have taught me well. We had a water pipe break (couldn't get to main shut off when running out to airport limousine,thought,what's the worst that could happen?) and had 150,000 gallons of water (measured by meter) flow down through the house in ten days. Insurance offered us $80,000 in compensation and dug their heels in. I hired an adjuster to negotiate,and the final settlement totaled $273,000! He was worth every cent we paid.
I'm sorry for the predicament you've been thrust into,but don't rush to settle. Bumpy road is absolutely right. You should feel "reasonably" compensated. If not,fight back.

You left your house for 10 days knowing you had a broken water pipe spewing water inside? WOW! You were lucky the insurance company paid anything, as you have an absolute duty to mitigate damage and that would have been to turn off the water. I am sorry you had to deal with that but glad it did seem to work out.

[RoyB]

This is just a question but are there issues with flood damage coverage like the house's have or don't have...

Roy Ken

[beemerphile1]

No doubt it is totaled.

To determine value look at RV dealers, classifieds, RV Trader, RVT, and the like.

[Bumpyroad]

in previous threads folks here have said that NADA pricing is unreasonably high so don't have your heart set on that value. be reasonable.
bumpy

[nal13]

gbopp wrote:

x2. And, being partially submerged for a few days, I'm sure the water will wick up the walls.
I would want it to be a total loss......
I hope you make out okay with the insurance company.

Ya, I'm counting on it being totaled. I wouldn't want to deal with issues down the road with it. I wonder if they will offer a purchase price for it after, if it would be worth scrapping. the camper and making a trailer out of the frame.