Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
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 10-04-2016, 12:59 PM   #15
Senior Member
 
Join Date: May 2014
Posts: 2,527
I have been with State Farm for over 40+ years, have had a few claims over the years and have never had an issue, nor have we had any type of price increases. Our current MH has been the same price to insure over the last 3 years with no increases. Our MH is insured at replacement cost, and all the cargo is covered at replacement cost.

I also question why was it totaled for a water leak. And the second question is why do you think when they give you a price they will pay to total it then you should be able to add back in all the amenities you mentioned, like the fridge, stove/oven, TV's ect. They are all included in any Nada estimate and would have been part of the payoff package.
__________________

__________________
Mike & Charlotte
2014 Newmar Canyon Star 3610
Orange County, California
Mike and Cha is online now   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 10-04-2016, 02:52 PM   #16
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Fleetwood Owners Club
Freightliner Owners Club
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 16,610
Read your policy carefully to see what it actually says, not what you think it should say. It may be that your insurance wasn't specifically for an RV, thus the furnishings and such are not covered. If that's the case, you may have cause for an "errors & omissions" compliant against the agent who wrote it, presuming you identified it as a recreational vehicle to him/her.

I've heard of a few other cases where somebody had bargain-basement insurance premiums, only to find out they had very little coverage.
__________________

__________________
Gary Brinck
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL
Gary RVRoamer is offline   Reply With Quote
Old 10-05-2016, 04:19 PM   #17
Senior Member
 
Join Date: May 2014
Location: Muscle Shoals, AL/Helen, GA
Posts: 804
The NADA guidebooks are prepared by the National Automobile Dealer Association in Kansas City. I carried one in my shirt pocket almost every day of my 36 year career in the car business. Their RV guidebook is used throughout the finance and insurance industries not because it's accurate evaluation of RV prices--but because it's all they've got.

The NADA has figured out the first year's depreciation on RV's vs. original cost. Then their printed books go down by a set percentage month after month, year after year. There is no national chain of RV auctions to document prices on. The NADA can easily track automobile prices through posted prices at dealerships and auctions.

My State Farm agent made it no secret that I could get better coverage for the price going to an insurance company that specialized in RV insurance--and I have Progressive stated value insurance. Progressive also has a specialized RV adjuster that only deals with RVs.

The State Farm adjuster doesn't want you to be an unhappy policyholder. Autos are probably what he's trained for, and rebuilding RV's and cars have no commonalities. Auto body shops charge $40 base labor hour where RV's charge $110 per real labor hour.

If you're unhappy with State Farm, go over the adjuster's head and get management involved. Ask'em to go out and find you another unit like yours, and have them buy it directly.
__________________
Bamaman is offline   Reply With Quote
Old 10-05-2016, 04:44 PM   #18
Senior Member
 
ArmandV's Avatar


 
Winnebago Owners Club
Ford Super Duty Owner
Join Date: Apr 2015
Location: Tarzana, CA
Posts: 853
Quote:
Originally Posted by wingnut60 View Post
Have you looked into getting a public adjuster--one not working for SF?

Also, mentioned above, should have gotten "Agreed Valuation" if available--usually what you paid for the unit.
Getting a public adjuster would be the worst thing you can do. They take a cut (anywhere between 25-33%) of the settlement.

First, I would talk to State Farm's claims manager. If that doesn't work, then contact the state insurance commissioner.

Also, read the policy provisions pertaining to disputes. Is there a provision where both sides obtain an appraiser to appraise your RV and they, in turn, get together to select an umpire for arbitration?
__________________
2015 Winnebago Minnie Winnie 22R

"Outside of a dog, a book is man's best friend. Inside of a dog is too dark to read." - Groucho Marx
ArmandV is offline   Reply With Quote
Old 10-05-2016, 10:48 PM   #19
Junior Member
 
Join Date: Apr 2014
Posts: 20
Thanks everyone for all the info I finally got them to pay within reason and I got to keep my camper I think they figured out I wasn't going to give up it will be fixed by this weekend and hopefully we can spend the rest of the season in it hope to step up to a class A next year i can honestly say I do not recommend State Farm ins.to anyone again thanks...........
__________________
n2snow2 is offline   Reply With Quote
Old 10-05-2016, 11:17 PM   #20
Member
 
Join Date: Apr 2016
Location: Full Timers
Posts: 91
Seems you came out way ahead...State Farm paid a significant portion of the value you placed on the loss and then let you retain the title to the salvaged total that you are placing back in service. You don't even have to deal with a salvage title. I agree, State Farm has long been famous in the auto insurance industry for lousy
claim service I am not sure they deserve to be bad mouthed in this case.
__________________
Dave & Sheryl Rambeau
2011 Itasca Meridian 39'
Rambeau is offline   Reply With Quote
Old 10-06-2016, 12:05 AM   #21
Senior Member
 
Join Date: Nov 2015
Posts: 2,052
Quote:
Originally Posted by n2snow2 View Post
Thanks everyone for all the info I finally got them to pay within reason and I got to keep my camper I think they figured out I wasn't going to give up it will be fixed by this weekend and hopefully we can spend the rest of the season in it hope to step up to a class A next year i can honestly say I do not recommend State Farm ins.to anyone again thanks...........

Pay within reason and you keep camper........

So did State Farm 'total' it and pay you off
OR
Did State Farm and you settle on a amount for damages

DO you have a 'salvage title' ??
__________________
2007 Dodge 3500 w/Tractor Motor & NUWA 5vr
FT traveling Jan 2007 - Jan 2014
Still DEBT Free
Old-Biscuit is offline   Reply With Quote
Old 10-06-2016, 07:37 AM   #22
Senior Member
 
DGBPokes's Avatar
 
Newmar Owners Club
Workhorse Chassis Owner
Spartan Chassis
Join Date: May 2010
Location: McAlester Ok
Posts: 1,039
I was hit, in my toad, by a State Farm policy holder. They were terrible to deal with! My claim wasn't major, but they drug their feet, excuse after excuse. They cost themselves an extra 20% over what they could have settled for just by being so hard to deal with.
__________________
2007 Newmar KSDP. 3912
2010 Nissan Frontier SE
DGBPokes is offline   Reply With Quote
Old 10-06-2016, 05:09 PM   #23
Senior Member
 
Join Date: May 2014
Location: Muscle Shoals, AL/Helen, GA
Posts: 804
Quote:
Originally Posted by Rambeau View Post
Seems you came out way ahead...State Farm paid a significant portion of the value you placed on the loss and then let you retain the title to the salvaged total that you are placing back in service. You don't even have to deal with a salvage title. I agree, State Farm has long been famous in the auto insurance industry for lousy
claim service I am not sure they deserve to be bad mouthed in this case.


I really don't know how you can say such a thing. Every insurance company has good employees, and every insurance has marginal employees.

I've had very good experience with State Farm employees. Yes, their rates are higher than most insurance companies, but you've also got an agent that can go to bat with you in case you're dissatisfied with anyone's service.

I have switched to Allstate on two houses and two cars. While their reputation for claims service is not tops in the industry, my local Allstate adjuster is considered the best adjuster of any brand in this area.
__________________
Bamaman is offline   Reply With Quote
Old 10-06-2016, 05:41 PM   #24
Senior Member
 
450Donn's Avatar
 
Join Date: Jun 2006
Location: Dallas,OR
Posts: 2,298
Guess people just dont understand the insurance industry. SF is one of the largest in the country. They sell a product thru dependent agents. Rates are based on a lot of factors. Losses in a state is one factor. You more than likely bought your coverage based on cost not coverage. So, who is to blame? I guess I would have to say you! You bought a certain policy. You could have bought more insurance, but did not. Its not the insurance companies fault YOU did not buy higher coverage. We all buy insurance based on cost taking a chance that when an accident occurs we will have enough dollars in our pockets to cover deductables etc.
__________________
Don and Lorri
2007 Dodge 3500 dually
Resident Dummy.
450Donn is offline   Reply With Quote
Old 10-06-2016, 06:00 PM   #25
Senior Member
 
Join Date: Apr 2014
Posts: 274
Just a quick comment. I've had SF since 1974. Backed into a snow bank once. They paid no problem. Had a U-bolt brake on a 5th wheel, $5k damages. They paid. Sucked up rocks into my Sea-Doo, They paid. Currently had a fire in an apartment in our apt building. $110K in damages. They paid, and they are still paying for loss of income. So if the claim is clean, I have never had a problem with quick response and no hassle payment.
__________________
'14 RAM Longhorn,DRW,4x4,CC, LB, 4.10, Aisin, 70gal underbed fuel tank.
Lifestyle 36FW, 8000lb axles, disk brakes, 19,100lbs
Andersen AL Ultimate hitch
rskeans is offline   Reply With Quote
Old 10-06-2016, 09:55 PM   #26
Senior Member
 
Join Date: Feb 2009
Location: Ca
Posts: 925
Anybody else turn the water off when no one is home?
__________________
timetogo is offline   Reply With Quote
Old 10-06-2016, 10:06 PM   #27
Senior Member
 
jfran304's Avatar
 
Tiffin Owners Club
Workhorse Chassis Owner
Join Date: Oct 2009
Location: Warner Robins, GA
Posts: 2,168
Quote:
Originally Posted by timetogo View Post
Anybody else turn the water off when no one is home?
Yep. At the meter.

Jon
__________________
Jon & Sue Francis (Retired U.S.A.F.)
Lil Girl-Rescued, Abby Rescued, Peaches Rescued
06 Allegro 35TSA Workhorse Chassis
2013 Chevy Spark Dinghy
jfran304 is offline   Reply With Quote
Old 10-07-2016, 06:57 AM   #28
Senior Member
 
Hit_the_Rhod's Avatar


 
Join Date: Oct 2014
Location: Salvisa, KY
Posts: 1,625
Quote:
Originally Posted by timetogo View Post
Anybody else turn the water off when no one is home?
Generally only when we will only be gone for a long time . . . . Yes, I know, the house can flood in a few hours with just one break, but we all have to make our own risk management decisions.

That said, we replace our washing machine water hoses every 5 years, and also have the neat Popular Mechanics fittings on hoses that will shut off if the water flow exceeds a certain flow rate (like when a hose breaks). You must turn off the water and loosen the fittings to bleed the pressure off and then re-tighten before the water will flow again. We bought these after the neighbors house across the street had their hose break sometime between leaving for work and getting back home that evening . . . $60k plus in repairs! We've also had the cold water hose break on the washing machine while we were in the next room. Heard the water, shut it off after maybe 3 to 5 gallons, still quite a mess!
__________________

__________________
Scot & Laura Kellersberger
2001 Newmar 4 wheel drive Dutch Star 3891, 2005 GMC Canyon. Demco Tow Bar & Baseplate U.S.Army (ret)
1985 - 2006
Hit_the_Rhod 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
State Farm Texas RV Insurance 56%+ increase texnet Class A Motorhome Discussions 37 01-24-2016 02:42 PM
RV Insurance with State Farm in Louisiana? reubenray iRV2.com General Discussion 5 04-19-2015 10:42 AM
State farm insurance capsfloyd Just Conversation 18 01-03-2014 11:07 PM
State Farm Roadside Assistance? TXredfish Class A Motorhome Discussions 15 06-22-2010 11:37 PM
SoCAL Overnighter-Knots Berry Farm Kernel Camping Locations, Plans & Trip Reports 1 08-05-2007 10:29 AM

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 06:28 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.