Community Forums

sdennislee · 09-10-2011, 02:14 AM

Quote:

Originally Posted by clarkgriswold

We're just now getting around to posting our mishap and don't know how much detail to go into. Let me just say this, the combination of the remnants of LEE moving into the Southeast left use with a very interesting day and night and also with an RV with an unknown future. Check out our blog if you'd like to know the rest of the story (as Paul Harvey use to say).

Our RV Travels

Ouch, my heart would stop if I walked out and saw that. I feel for you.

Wayne MD · 09-10-2011, 10:27 PM

Thats insurance. Your led to believe to pay a premium and all your worries are over until the actual event occurs, then you have to worry about all your worries.
It's too simple to just get the job done. Removal of tree from MH but not off the property. Insurance could probably make money selling tree parts for firewood or fertilizer but we have to complicate things I guess. I hope there is some relief for you soon on this matter.

clarkgriswold · 10-03-2011, 12:52 PM

Without going into all the details, we settled with Progressive Insurance last Friday. After 3+ weeks of extended periods of no progress with 'Progessive Insurance' we're finally moving on with what was inevitable - our RV was totalled. You can follow our saga closer on our blog .....leave a comment if ya like! All that is left to do at this point is have the RV towed from the driveway and to give feedback to USAA (Progressive handles RV insurance for USAA). I'll certainly take the opportunity to give feedback to USAA simply b/c I think that a company as good as USAA has been for us, it needs the feedback concerning Progressive. Enough said on that one!

JMonroe · 10-03-2011, 05:31 PM

The standard, for tree removal, was whatever was necessary to extract the covered vehicle, nothing more. Neither homeowners or auto/RV insurance covers your trees, shrubs or other landscaping (some homeowners policies may offer a very limited coverage). If a tree falls on your roof the company will typically pay to cut away the portion in the way of roof repairs. If it's on your car, it MAY pay what is necessary to get the car out and to a repair shop.

We did, of course, cover trees you ran down with your car/truck/RV (not on you land). Those claims were always a challenge. A 30' tree is damaged to the point where it dies what do you owe the property owner? Typically it would be the lessor of the depreciated value of the property or the cost to replace the tree. OK, how do you agree on either? It's not practicable to replace a 30' tree with another 30' tree, maybe a 10' tree, but many times the owner would balk at that. OK, the depreciated value of the property. In truth, the loss of one tree probably didn't depreciate the property by 2 cents. The home owner REALLY doesn't want to hear that. Then there's the very common scenario where the damaged tree was actually on the city, county or state right-of-way and not legally owned by the homeowner (even if they'd been maintaining the area around it, ie: mowing the grass). You'd owe the adjacent property owner nothing. You'd pay the government IF they replaced the tree. Even a 30' tree, if on city property as example, they'd replace with maybe a 6' sapling. Imagine what the homeowner thought of that.

Claim settlement is equal parts contract law, state and local statute and art. I'd had more than enough after doing it for 20 plus years. I moved to a different department after that.

MSHappyCampers · 10-03-2011, 05:37 PM

Wow, that's a bummer! Good luck with that insurance company, you're gonna need it!

clarkgriswold · 10-03-2011, 11:49 PM

Quote:

Originally Posted by JMonroe

The standard, for tree removal, was whatever was necessary to extract the covered vehicle, nothing more. Neither homeowners or auto/RV insurance covers your trees, shrubs or other landscaping ...........

Yep, you're correct and that's what the insurance covered. My issue was never with the removal of the tree from the RV since that was done. My issue developed over the 3+ weeks to settle the claim and the various emails / voicemails which each took a day to return.

....of course it would have been nice if the insurance payed to remove the debris from our yard but that's insurance SOP. As they say, what may be legal isn't necessarily right nor ethical.

clarkgriswold · 10-03-2011, 11:51 PM

Quote:

Originally Posted by jminyard

Wow, that's a bummer! Good luck with that insurance company, you're gonna need it!

Pretty much done now........last 3+ weeks settled it.

Elf · 10-04-2011, 07:32 AM

Quote:

Originally Posted by clarkgriswold

Pretty much done now........last 3+ weeks settled it.

Thanks for the update. Sorry about the problems. I'm contemplating calling USAA to see if I can get any feeling about Progressive. Not that it will make a difference but if enough people let them know they have concerns maybe they can put some pressure on them, or not.
Hopefully The frustrating part is behind you and you can be backmon the road soon.