RV Trip Planning Discussions

Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 11-06-2017, 10:23 AM   #1
Junior Member
 
mrat240's Avatar
 
Tiffin Owners Club
Join Date: Nov 2017
Posts: 6
Insurance Question

I have Progressive insurance through USAA. Back in May of 2017 we had a hail storm. I called reported and the adjuster came out. He said there was no damage.
Keep in mind my home had to have a new roof.
So going through the summer all is well no problems, around mid October we are out one weekend and it was raining. We noticed water coming in around the antenna crank and some stains on the ceiling. I called usaa they sent me to the reps number and they will reopen claim.
During the phone call the rep tells me they do not cover water damage and it might be up to us to pay for this.
I have full coverage on my 2004 National, never have made a claim.
Does anyone have advise as to how this is not covered in comprhensive coverage?
__________________

mrat240 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 11-06-2017, 10:37 AM   #2
Senior Member
 
wa8yxm's Avatar
 
Damon Owners Club
Workhorse Chassis Owner
Join Date: Mar 2009
Posts: 24,023
Depends on what caused the leak Your profile does not list your RV.

Possible Causes of leak: There WAS damage from the hail storm. IN this case see notes at bottom.

Old caulking
Failed crankshaft seal on antenna
Other

Now with the last 3.. I'm afraid you are out of luck.

BUt if it turns out there WAS roof damage.. Then the adjuster who said "NO DAMAGE"... MIGHT, and I stress that word MIGHT, enjoy some liability... Since he said there was no damage and had he approved repair the leak would not have happened.

I'm a Reasonable man, however.. NOT an attorney. and the cost of an attorney MIGHT exceed the damges.
__________________

__________________
Home is where I park it!
wa8yxm is offline   Reply With Quote
Old 11-06-2017, 10:55 AM   #3
Senior Member/RVM #90
 
MSHappyCampers's Avatar


 
Monaco Owners Club
Join Date: Nov 2002
Location: Columbus, MS
Posts: 39,788
Hi ! Welcome to IRV2! We're sure glad you joined the gang!

I really doubt that the hailstorm caused that problem. You probably need to recaulk the antenna base! Keep her between the ditches!

Good luck, happy trails, and God bless!
__________________
Joe & Annette

2002 Monaco Windsor 40PBT, 2013 Honda CRV AWD
MSHappyCampers is online now   Reply With Quote
Old 11-06-2017, 11:13 AM   #4
Junior Member
 
mrat240's Avatar
 
Tiffin Owners Club
Join Date: Nov 2017
Posts: 6
Ok I have a National Islander coach, it not only is leaking from around the antenna crank but it has water stains on the ceiling of the rv. These stains where not there before we had the hail storm.
I guess I am asking if other have had problems with insurance companies standing behind what we pay all these years for.
mrat240 is offline   Reply With Quote
Old 11-06-2017, 12:19 PM   #5
Community Moderator
 
TonyDi's Avatar


 
Newmar Owners Club
Join Date: Feb 2011
Location: Central NJ
Posts: 18,358


Glad to have you here in the forum with us. You'll love it here.

You need to know where the leak is originating. If it is from a seal or caulking then I don't see how hail could do this damage. It is most likely coincidental. But if this is from a hole caused by hail then you justifiably have a claim.

Happy Trails!!!
__________________
Tony & Ruth........... FMCA#F416727
2016 London Aire 4519, Freightliner chassis, Cummins ISX, 2018 Jeep Wrangler Unlimited, Blue Ox Avail with AF1. TST 507 TPMS
TonyDi is online now   Reply With Quote
Old 11-06-2017, 12:53 PM   #6
Senior Member
 
BillJinOR's Avatar
 
Monaco Owners Club
Join Date: Jul 2012
Posts: 1,749
Leaks from bad seals are a maintenance issue not a ďinsuranceĒ issue . If the hail cracked or damaged a skylight or the surface of the roof .. maybe ....but I doubt it damaged a seal .. itís just dicor ( a tube of goo that ď seals ďaround the opening ) I the antenna case itís probably the rubber seal in the crank if it has one. I would think no way thatís a hail damage issue.
Water leaks take awhile to become visible. As a small leak can be present for some time until it works itís way to the ceiling . There are methods to remove the stain , and repair the seal that are generally a few dollars . But again leaks are not generally an insurance issue.
__________________
2003 Beaver Marquis
American tow dolly or
2016 CargoMate Trailer
BillJinOR is online now   Reply With Quote
Old 11-06-2017, 01:09 PM   #7
Senior Member
 
Mr_D's Avatar
 
Country Coach Owners Club
Winnebago Owners Club
Solo Rvers Club
iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 36,390
Every rig I've owned has required that the sealant be checked at least yearly and I checked twice a year. When I found a suspicious spot in the sealant I fixed it. Present rig is all fiberglass but I still check every roof penetration at least twice a year.
Insurance won't pay for leak damage since they consider it a maintenance item.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
Charter Good Sam Lifetime Member, FMCA, SKP
RV'ing since 1957, NRA Benefactor Life, towing '14 Jeep JKU Dragon Edition
Mr_D is offline   Reply With Quote
Old 11-06-2017, 01:49 PM   #8
Senior Member
 
Stever53's Avatar


 
Join Date: Mar 2013
Location: Roseville, California
Posts: 2,627
Hi


this place is great

Safe travels
__________________

__________________
Steve & Sheryl
2016 Crossroads Cameo 38RL
2015 GMC Denali 3500 SRW CC SWB
Stever53 is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance shout-out for Overland Insurance OWV MH-General Discussions & Problems 5 07-26-2018 10:52 AM
Health insurance supplement insurance jacks647 iRV2.com General Discussion 29 04-16-2014 06:18 PM
Health Insurance - Texas High Risk Insurance Pool - How to choose an area mrschwarz Full-Timers 0 07-27-2011 05:48 AM
Canadian Full-timers - Insurance Question bcbounders Full-Timers 17 02-17-2009 04:30 PM

» Featured Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 10:02 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
×