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Old 05-18-2011, 08:21 PM   #1
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Insurance claim for roof leak

My insurance company is State Farm.

My 2006 Fun Finder X139 has some leak damage on the roof. About 2-3K worth.

I discovered it last November, and used it last summer, so it's not something I noticed and ignored.

Do most trailer policies cover something like this?

I can ask my agent, but I remember once I called to just ASK A QUESTION and they noted it in my file, the dirty scoundrels. So I don't know if I can trust them.

Also, would something like this raise your premiums?

If the repair was done under an insurance claim, it would be more, since the hourly rate is higher and they would probably do more extensive work, since insurance adjusters may be more picky than me, who just wants the basic fix.

Of course, they might total it out, since the trailer is worth 10K max.

What do you think?
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Old 05-18-2011, 10:49 PM   #2
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They WOULD probably total it out, as I recall their limit is 50 percent of NADA retail, which would be $5000. If you have a shop do it, 25 hours labor and materials at retail would hit that mark easy. I had State Farm for car insurance, and they totaled my Volvo, a Volvo that was drivable onto the flatbed wrecker, all because I insisted on OEM parts. My premiums went up for my other cars and my replacement car (I had a claim now), and they dropped my homeowner's policy afterwards, so yes, I share your opinion of them "dirty scoundrels".

If you are handy, fix it yourself. If you're not handy, find someone that is. Tell the insurance company, you take the chance they will total your trailer, making it no longer eligible for insurance and therefore unsellable.
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Old 05-19-2011, 02:50 PM   #3
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Instead of all the speculation about what your insurance company MIGHT do, and what it MIGHT cost to repair it, you should first get an actual estimate from an RV repair shop. The 2-3 thousand you mention appears to your own estimate. You would also be wise to read your insurance policy. Your answer may be right there in print. Then decide if you want to notify your insurance company or just pay the bill yourself. Or whatever other choices you may have.

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Old 05-19-2011, 03:38 PM   #4
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First of all it probably is a comprehensive claim, if covered. Wear and tear are not normally covered..also comp claims are normally not chargeable for surcharges but could affect other aspects of your rate..also a totaled veh can be bought back for value of salvage..you can always discuss with your claims adjuster. Any agent worth his salt will document in his files any discussion. That doesn't mean it went to insurance company. Ask your lawyer and doc any q in their office or on phone and it will go in your file...it's called cya...I agree get a figure from RV repair and then discuss with agent re affect on rate then see what makes sense..
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Old 05-19-2011, 04:35 PM   #5
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I too have had a bad experience with your company but don't blame them a bit for making a note of all contacts they have with you.

You don't say what the damage is or how it happened. If a vent hit a tree limb and broke part of the roof it's probably one thing but if a lack of maintanence led to a leak which damaged things inside the coach it might be a stretch but I'd call them and see what the scoop is.

Good luck to you...

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Old 05-19-2011, 05:25 PM   #6
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More than likely, if a tree fell on the roof and put a hole in it, you would be covered. Damage from a lack of maintenance, forget about it.... To put it another way, if the shingles on your home roof were cracked and leaking, would you expect the insurance to cover damage to the interior of the house? You could always ask, but I doubt the insurace would cover the interior water damage.
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