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 03-20-2008, 06:19 PM   #1
Junior Member
 
Join Date: Mar 2008
Posts: 9
The rooftop ac gasket failed allowing water to migrate under tpo membrane causing damage to wood. The repair shop estimated repairs would cost $4500, due mostly to inability to reuse tpo roof material (it's all gotta come off) and man hours. Insurance policy has an exclusion for wear and tear and so far is unwilling to cover this. Am i stuck here? Owner's manual says nothing about replacing ac gasket as part of regular maintenance. Should i haggle with the insurance company or am i expecting too much. I don't consider this to be negligence on my part, there are no interior signs of a problem and only the soft spots on the roof. The damage has been done by the time a soft spot is found. I don't like arguing with anyone but this just seems crazy to me. K-Z, the maker, and the exended warranty people are no help either.
__________________

__________________
killian 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 03-20-2008, 06:19 PM   #2
Junior Member
 
Join Date: Mar 2008
Posts: 9
The rooftop ac gasket failed allowing water to migrate under tpo membrane causing damage to wood. The repair shop estimated repairs would cost $4500, due mostly to inability to reuse tpo roof material (it's all gotta come off) and man hours. Insurance policy has an exclusion for wear and tear and so far is unwilling to cover this. Am i stuck here? Owner's manual says nothing about replacing ac gasket as part of regular maintenance. Should i haggle with the insurance company or am i expecting too much. I don't consider this to be negligence on my part, there are no interior signs of a problem and only the soft spots on the roof. The damage has been done by the time a soft spot is found. I don't like arguing with anyone but this just seems crazy to me. K-Z, the maker, and the exended warranty people are no help either.
__________________

__________________
killian is offline   Reply With Quote
Old 03-21-2008, 06:00 AM   #3
Moderator Emeritus
 
K-Star's Avatar


 
Texas Boomers Club
Mid Atlantic Campers
Ford Super Duty Owner
Join Date: Jan 2000
Location: Fulltime - Currently somewhere in the lower 48
Posts: 2,215
haggle with the insurance company. insurance companies are in the business of collecting money and then not paying policy holders, or paying them as little as possible. You may get them to loosen their purse strings and get something.
__________________
John, Joyce & Zoie the Terrier. - Fulltime since `08

2017 Solitude by Grand Design
2012 Ford F-450 Lariat
K-Star is offline   Reply With Quote
Old 03-21-2008, 11:13 AM   #4
Junior Member
 
Join Date: Jul 2007
Posts: 14
By your own admission the damage was caused by wear and tear. Sounds like you are out of luck.
__________________
2003 GMC Duramax K2500

2004 Jayco 25RKS
Wind River is offline   Reply With Quote
Old 03-21-2008, 02:19 PM   #5
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,085
By all means haggle - you have nothing to lose. But they are tough on gaskets & seals - the general attitude is that you should have known it was going bad. Your best argument would be that there is no routine replacement schedule on a/c roof gaskets, if you can show/prove that somehow. Review the owners manual for your a/c and see if it says anything in that regard. But if it even says you should check it once in awhile, you are probably out of luck.

Good luck and let us know how it comes out.
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 03-21-2008, 04:33 PM   #6
Junior Member
 
Join Date: Mar 2008
Posts: 9
I'm not "admitting" the damage was caused by normal wear and tear, that is the insurance company's statement. Again, the Owner's Manual does not say anything about inspecting or replacing the A/C gasket. The repair facility couldn't find it either. Get this, if I would have lied and said that I hit a low branch or something and caused the A/C to shift on the gasket, it would have been covered. That is the exact scenario I ran by the insurance lady I have been talking to and she responded with a " yeah probably". Crazy world.
__________________
killian is offline   Reply With Quote
Old 03-21-2008, 05:33 PM   #7
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,085
Are we talking about an extended warranty plan (repair insurance) or you automotive type comprehensive (other than collision) insurance? Two different animals...
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 03-21-2008, 06:04 PM   #8
Junior Member
 
Join Date: Mar 2008
Posts: 9
This is a Consumers County Mutual insurance policy. I switched to this company when I bought the travel trailer...three other vehicles on the policy. My mistake not getting separate policy tailored for the RV. I checked the RVP RV Products (division of Airxcel)installation, operation, and maintenance instructions and still have found nothing concerning the rooftop A/C gasket other than to use one during installation. Thank you for your replys.
__________________
killian is offline   Reply With Quote
Old 03-22-2008, 05:17 PM   #9
Junior Member
 
Join Date: Mar 2008
Posts: 9
Are there any success stories out there with this type of insurance coverage "sitiation"?
__________________
killian is offline   Reply With Quote
Old 03-23-2008, 04:21 AM   #10
Senior Member
 
lthrnk's Avatar
 
Tiffin Owners Club
Fleetwood Owners Club
Appalachian Campers
Join Date: Jul 2007
Location: Titusville, FL
Posts: 694
How old is the unit?
__________________
"Home is where we park it" SEMPER FI
Winnie 30 RESS UltraLite TT 2015
Ford F250 XLT 2015
lthrnk is offline   Reply With Quote
Old 03-23-2008, 05:49 AM   #11
Junior Member
 
Join Date: Mar 2008
Posts: 9
The travel trailer is a 2003 K-Z Sportsmen Coyote, 23' CMSL. There is actually nothing wrong with the tpo membrane material on top, the water leak is at the ac gasket...according to the repair shop. Any thoughts on this matter would be appreciated.
__________________
killian is offline   Reply With Quote
Old 03-23-2008, 12:36 PM   #12
Senior Member
 
Join Date: Mar 2007
Location: Virginia
Posts: 796
What's the warranty on your AC? Is the gasket covered with that warranty?
__________________
2007 Gulfstream Innsbruck 36FRS
2006 Palomino Puma 27FQ
1999 American Cruiser RE2000
rjf7g is offline   Reply With Quote
Old 03-23-2008, 03:47 PM   #13
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,085
Most casualty loss policies require that there be some external damage before they pay off. Think about it - if this was your stick house and the roof shingles deteriorated and began to leak, would you be covered? You would be if there was a windstorm that tore up the shingles, but not if it simply leaked due to the deterioration of the roof itself, whether premature or not.

You are going to have a tough time making the case now that you have admitted there was no external cause. It may not be too late to start talking about previous stress damage or perhaps that the leak began after driving rain & wind. Anything other than the simple "the gasket failed" statement.
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 03-23-2008, 08:28 PM   #14
Junior Member
 
Join Date: Mar 2008
Posts: 9
I have talked the insurance in to sending an adjuster out again Monday because I requested the ac unit be removed by the repair shop for a closer inspection.
"the gasket failed" is the repair shop's "simple statement". Not mine. I should have lied and said I recklessly slammed into a tree branch because there are a few "scratches" (on the ac cover) from the tree that I back under on my way to parking it in my backyard. now...maybe I should get a second opinion (another repair shop). The gasket cannot be seen unless the ac unit is removed, so I really don't know how anyone could be sure of anything. I have replaced travel trailer tires before any visible damage or wear (lots of tread left). I repack the wheel bearings every year (no visual or audible signs of part failure). Well, live and learn. I have learned the ac gasket will need to be replaced very often because when the unit is removed to inspect it for leaks, the gasket cannot be reused. If I would have only known how to lie about all this. I've heard that's called playing the game. Thanks to everyone on this forum!!! for letting me get out my frustration.
__________________

__________________
killian is offline   Reply With Quote
Reply



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
The Arm on the cover for the Kitchen slide Cover TNBULLDOG Thor Industries Owner's Forum 7 04-09-2008 06:13 PM
Insurance help eandy MH-General Discussions & Problems 12 09-13-2007 12:50 PM
Insurance Co. BBsGarage Class C Motorhome Discussions 12 02-11-2007 06:22 PM
Insurance PhilSusann Alpine Coach Owner's Forum 10 01-22-2006 06:04 AM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 03:11 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.