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09-09-2018, 08:54 AM
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#1
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Junior Member
Join Date: Aug 2011
Posts: 21
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Hurricaine advice
I full time in western North Carolina. I have no insurance for Hurricaine damage. Is it too late coverage?
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Full timer 1995 Londonaire
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09-09-2018, 09:12 AM
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#2
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Senior Member
Join Date: Mar 2007
Location: Baton Rouge, La
Posts: 838
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You should talk to your insurance agent but there is usually a waiting period before the insurance goes into effect, I would watch the track and get out of harms way if possible.
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09-09-2018, 09:16 AM
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#3
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Junior Member
Join Date: Aug 2011
Posts: 21
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Found out once a state of emergency is declared policy writing stops. So my rig is fairly heavy. I’m thinking the biggest threat for me is the lighter travel trailers blowing onto mine.
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Full timer 1995 Londonaire
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09-09-2018, 09:29 AM
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#4
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Senior Member
Join Date: Jul 2015
Posts: 243
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Can you move 150 to 200 miles south to southwest? You would probably miss all effects of the storm.
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Dave & Brenda
2007 Chevy 2500 Duramax
2012 Sabre 31 RETS 5'er
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09-09-2018, 09:29 AM
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#5
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Senior Member
Join Date: Jan 2009
Posts: 5,399
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Quote:
Originally Posted by outsdr2
Found out once a state of emergency is declared policy writing stops. So my rig is fairly heavy. I’m thinking the biggest threat for me is the lighter travel trailers blowing onto mine.
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That, and tree(s) falling or their branches that get snapped and thrown onto your rig. Utility poles can also fall. Check out your surroundings to see what looks vulnerable to high winds.
Myself, I wouldn't stay if the forecast was above tropical storm strength or if it looked like i would be east of the storm's path where wind gusts, lots of rain, and tornados might be more likely.
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03 Itasca Sunova, Workhorse P32 with the 8.1 and 4L85-E
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09-09-2018, 09:42 AM
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#6
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Senior Member
Join Date: Apr 2015
Location: Key Largo Fl./Ft Mill Sc
Posts: 876
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It's not just the hurricane you have to worry about,but tornadoes that are generated.I went threw Andrew to see how strong nature can be.You say your coach is heavy, but I watched buildings ripped from there foundations.Best advice is to leave if possible.
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Barry & Martha
2016 Newmar Dutch Star 4018 Freightliner
2018 Harley ultra Limited / 2018 Jeep Wrangler Sport
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09-09-2018, 09:59 AM
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#7
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Member
Join Date: Jun 2018
Posts: 59
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Quote:
Originally Posted by outsdr2
I full time in western North Carolina. I have no insurance for Hurricaine damage. Is it too late coverage?
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Call your insurance company. They are the only ones who can advise you as to what coverages you have or can add. Generally speaking, you can add coverages anytime up to the moment before something happens, but never after it happens.
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09-09-2018, 10:24 AM
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#8
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,713
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By the time a storm reaches western NC, it's probably no longer a hurricane anyway and whatever usual "wind and rain damage" coverage you have will apply. Besides, if this is an RV question, I doubt if there is any "hurricane coverage" available for it. A Hurricane damage rider usually applies to a fixed site property.
Call your insurer or his agent and discuss what coverages you have that might apply and what options exist for more coverage (if needed).
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Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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09-09-2018, 11:45 AM
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#9
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Junior Member
Join Date: Aug 2011
Posts: 21
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Thanks for all the advice.
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Full timer 1995 Londonaire
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09-09-2018, 12:42 PM
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#10
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Senior Member
Join Date: Jan 2017
Location: Titusville, FL
Posts: 5,164
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Is "hurricane insurance" even something you can buy? I mean, do houses in FL have a separate hurricane policy?
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When seconds count, the police are only minutes away.
2023 Grand Design 2600RB, 2022 F-350 King Ranch tow vehicle, Titusville, FL when not on the road
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09-09-2018, 01:13 PM
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#11
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Senior Member
Join Date: Mar 2017
Location: Zebulon, NC
Posts: 5,211
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Not sure where you are in "western NC", but the only storm to make it that far inland was Hugo, and that was a near perfect storm. I know flood insurance has a 30 day waiting period. My fear where you probably are is falling trees.
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Kelly and Jerry Powell with Halo (Lethal White Aussie), Nash the Rat Terrorist, and now Reid, the "Brindle we have no idea puppy"
2020 Grand Design Solitude 390RK-R
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09-09-2018, 01:22 PM
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#12
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,736
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Quote:
Originally Posted by hohenwald48
Is "hurricane insurance" even something you can buy? I mean, do houses in FL have a separate hurricane policy?
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Yes, higher deducible, usually 2.5% instead of $1,000. Outside of that, same coverage, just cost more in deductibles and clearly stated on the policy.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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09-09-2018, 01:35 PM
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#13
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Senior Member
Join Date: Oct 2012
Location: Foley AL
Posts: 7,138
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Quote:
Originally Posted by brobox
Yes, higher deducible, usually 2.5% instead of $1,000. Outside of that, same coverage, just cost more in deductibles and clearly stated on the policy.
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That and you typically need a separate Flood Insurance policy.
BTW, that 2.5% is a whole lot of deductible.
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2005 Newmar Essex 4502, 2013 Caddy SRX
1997 HR Endeavor 37, CAT, 1996 Geo Tracker
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09-09-2018, 02:46 PM
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#14
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Member
Join Date: Jul 2017
Location: Maryville, Illinois
Posts: 59
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air in tires?
If the storm is headed towards you, could you take a side trip somewhere else? Fuel might cost less than insurance upgrade.
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