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Old 09-29-2015, 09:25 PM   #1
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Should my insurance cover me???

The facts;
My 40 ft motorhome is insured by Good Sam (National General Insurance Co.)
Took the motorhome to my daughter's home to babysit the grand kids during July and August. Son-in-law had a electrician install a 30 amp outlet to power the coach. Plugged in and discovered the electrician had installed 220/240 volts at the outlet, should have been 110/120 volts. I have now paid close to $7,000 in repairs to the electrical systems.
I then discovered that the electrician is not licensed, not bonded and not insured.
National general tells me they do not cover mechanical nor electrical faults.
Your thoughts will be appreciated.
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Old 09-29-2015, 09:38 PM   #2
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I thought insurance covered stupid mistakes. Good luck.
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Old 09-29-2015, 09:51 PM   #3
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If there are exclusions it should be stated in writing. If you find it is excluded, you may want to contact your SIL's Homeowners Insurance Company, and file a claim.
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Old 09-29-2015, 09:55 PM   #4
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Quote:
Originally Posted by kenhouse123 View Post
I have now paid close to $7,000 in repairs to the electrical systems.
I then discovered that the electrician is not licensed, not bonded and not insured.
National general tells me they do not cover mechanical nor electrical faults.
Your thoughts will be appreciated.
Well, he's not an "electrician" then is he? Pretty much leaves you taking him to court to get any money back. Contact the state licensing board, they might want to take action against the "electrician" under their rules/laws too.
But someone should have checked the circuit first too. Your first clue to a problem should have been the lack of a license, and the next would be no building permit.
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Old 09-29-2015, 09:56 PM   #5
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Don't know about the coverage. You'll have to through your policy with a fine tooth comb. They may not cover normal electrical fault but this is not a fault in the coach, it an external fault.

However here's your biggest problem. If they pay they will then go after the property owner. The property owners, or there insurance company, would then go after the electrician. That means your insurance would go after your daughter and her husband.

You'll may have a hard time going after the electrician directly since you didn't have a contract with him. You'd at least would need your daughter on the suite with you. You'll have to find out if the state your in would allow him to discharge the verdic through bankruptcy court. Hopefully he can't and you could then put a lean on everything he owns.

One last point, call the electrician an tell him if he doesn't pay you'll report him to the state license board. If the state goes after him it could mean jail time. You then have to decide if he does pay if you're still going to report him to the state.

Now to the technical side. Sounds like you didn't have a surge protection system which would have caught the over voltage issue and wouldn't have connected your coach to power. If you did and it failed then go after the company that made it. Most of them have a multi year repair warranty which covers this kind of failure.

The repair costs may not be as bad as you think. Most TVs have power supplies that can be replaced as to many other devices.
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Old 09-29-2015, 10:10 PM   #6
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Not going to be covered. If you would have had an Electrical Management System installed the bad voltage would not have been allowed to enter the MH. Progressive Industries RV Surge and Electrical Protection industry lea

Insurance would cover lighting strikes, but not unlicensed contractors not following code. Did anyone put a volt meter on the plug before plugging in an RV? Code would require that in an RV park.
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Old 09-29-2015, 10:27 PM   #7
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Insurance would cover lighting strikes, but not unlicensed contractors not following code. Did anyone put a volt meter on the plug before plugging in an RV? Code would require that in an RV park.
Well the "electrician" might well have followed code by wiring it as a 30 amp dryer plug. That's an older three wire 30 amp 220-240V standard.
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Old 09-29-2015, 10:33 PM   #8
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Well the "electrician" might well have followed code by wiring it as a 30 amp dryer plug. That's an older three wire 30 amp 220-240V standard.
But he used a 120V 30A receptacle which is different than a 240V dryer receptacle as they don't mate.
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Old 09-30-2015, 08:57 AM   #9
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In this case I'd say the electrican's insurance should make you whole, but contact your insurance company anyway. You may have to sue for damages.. The TT-30 outlet he installed is clearly marked as to what voltage it is designed for (I know, I looked)( and he clearly did not read the marking.

Next: Drop down to your local RV-Supply and pick up one of the following items and have it installed

If your RV is 50 amp: Progressive Industries HW-50C (About 300+ install or more depending on store)

IF RVG is 30 amp Make it a HW-30C (Do not know the price)

Then.. If this happens again, when you plug in the remote display for the HW-##c will say 240 volt.. and the device will refuse to send power on to the RV.

Also, have the installer clip the timer lead so you get the long time in (Takes over two minutes before it sends power on).. Here is why.

I have had several power flickers where I am now and in other places. .In a power flicker without my Surge Guard (What these things are generically called) the A/C compressor stops and almost instantly tries to re-start.. This is not good.. Sometimes it fails to re-start eternally.

With the Surge Guard. the one I have times out nearly 3 minutes, the A/C a few seconds more. total "OFF" time is thus over 3 minutes.. That is the recommended minimum OFF time for pressure to bleed off so the compressor restarts normally instead of failing to start due to excess head pressure. And A/C's are roughly 1,000 dollars installed.
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Old 09-30-2015, 12:29 PM   #10
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Was the electrician really an electrician with a contractors license? If not, good luck with this one. Sounds like you need to go after the property owners who hired the bloke to begin with, oh yea, that is family. You know the saying.
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Old 09-30-2015, 12:36 PM   #11
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Was the electrician really an electrician with a contractors license? If not, good luck with this one. Sounds like you need to go after the property owners who hired the bloke to begin with, oh yea, that is family. You know the saying.
OP says:
Quote:
I then discovered that the electrician is not licensed, not bonded and not insured.
Small claims court or regular court it looks like unless the State will take it on for doing work illegally.
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Old 09-30-2015, 12:45 PM   #12
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Sorry for your troubles....we all seem to live and learn...hopefully.
What that said this is why I ONLY use licensed Union electricians...bonded and insured with paperwork to prove it.
Also I totally agree to invest in a Progressive Ind surge protector....very cheap electrical insurance and peace of mind.
You could try small claims court....good luck...stay safe....

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Old 09-30-2015, 12:56 PM   #13
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Well the "electrician" might well have followed code by wiring it as a 30 amp dryer plug. That's an older three wire 30 amp 220-240V standard.
But did anybody check the voltage when it was to be used for an RV like the OP said
Son-in-law had a electrician install a 30 amp outlet to power the coach.
The electrician that wired my S&B knew the difference and checked both lines for correct power
It would be interesting if anybody here that has plugged into 220 power would let us know if their insurance company covered the damage.
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Old 09-30-2015, 01:06 PM   #14
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But did anybody check the voltage when it was to be used for an RV like the OP said
Son-in-law had a electrician install a 30 amp outlet to power the coach.

It would be interesting if anybody here that has plugged into 220 power would let us know if their insurance company covered the damage.
Remember even if they do the Insurance company will then go after his daughter and her husband which is the second really sad part. The only way out that doesn't hurt the family is getting the "electrician" to pay up.

I think the Threat of turning the guy into the state has a lot of weight. If the state gets ahold of him it will cost him a whole lot more than $7K.
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