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Old 11-06-2017, 10:23 AM   #1
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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?

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Old 11-06-2017, 10:37 AM   #2
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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

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!
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Old 11-06-2017, 10:55 AM   #3
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Location: Columbus, MS
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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
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Old 11-06-2017, 11:13 AM   #4
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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.
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Old 11-06-2017, 12:19 PM   #5
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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
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Old 11-06-2017, 12:53 PM   #6
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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.
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Old 11-06-2017, 01:09 PM   #7
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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.
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Old 11-06-2017, 01:49 PM   #8
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this place is great

Safe travels

Steve & Sheryl
2016 Crossroads Cameo 38RL
2015 GMC Denali 3500 SRW CC SWB
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