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Old 01-07-2016, 07:06 AM   #1
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Floor water damage? Uncovered by Full timers Ins.?

Hello everyone! Happy New Year😎
Has anyone ever had thier floor replaced or rig totaled, due to water damage? Our floor started having soft spots, happened really quickly. We discovered a full length opening across the underbelly. We had trsv er led through a lot of rain. Or could have happened from a leak undetected? Don't know? Will my full timers package through progressive cover repairs or total it if they think it's too bad? We're thinking it's from that but not sure , it's a mystery! !!
Thanks for any advise. Or knowledge on this matter😆
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Old 01-07-2016, 01:44 PM   #2
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Read your policy. It is your responsibility to know at least as much, or just slightly more, than the person that answers the phone at your insurer, IMO.
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Old 01-07-2016, 02:01 PM   #3
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Quote:
Originally Posted by SandiLaws View Post
Hello everyone! Happy New Year��
Has anyone ever had thier floor replaced or rig totaled, due to water damage? Our floor started having soft spots, happened really quickly. We discovered a full length opening across the underbelly. We had trsv er led through a lot of rain. Or could have happened from a leak undetected? Don't know? Will my full timers package through progressive cover repairs or total it if they think it's too bad? We're thinking it's from that but not sure , it's a mystery!
Thanks for any advise. Or knowledge on this matter��
SandiLaws
Only Progressive can answer that question.
However I've found that very few insurance policies cover what I thought they would/should.
Mel
'96 Safari
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Old 01-07-2016, 02:58 PM   #4
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Water line fitting failed on backside of our water heater...........woke up to 2" water in living room/kitchen and water running out under slide outs.

Insurance company covered new flooring---carpet/linoleum, new floor in slideout, motel room for 3 days during repairs minus deductible.
But we had a FULL TIMERS complete coverage policy with appropriate riders (Same policy that we had on our S&B home owners insurance)

SO..............it depends on what policy you have and the EXCLUSIONS CLAUSE
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Old 01-07-2016, 03:03 PM   #5
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If the leak was from outside I doubt anyone will cover that, if a pipe broke inside they might.
Most insurance won't cover damage from stuff like roof leak or underbody leak.
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