flood damage, how bad?

[Fish n Geer]

Re: flood damage, how bad?

That is great news! You being covered on both of them.Might end up coming out ahead when its said and done.That would have to be devastating seeing them like that though.

 

[oops!]

Re: flood damage, how bad?

hey stuart !
congrutulations on the new trailer!

im really sorry about the sentimental value of the trailer.
but that can be negotiated!
in your earlyer post you mentioned some of the things you lost in the flood.
all should be covered! that brings up the total vale you have to spend on the trailer!

my store was broken into last year, lot of little stuff gone... a tool box.. a computer...the adjuster started asking what was in the tool box... what programmes was on the puter?... that little claim grew to 15,000 before i was done. and i still dont think i got all the stuff! thats not taking advantage or ripping off the insurance co... its being fair to what you lost! the law says they have to but you in the position, "as if it never happened".
every small item in the trailer has a dollar amount.. from your neices teddy bear to the digital camera to the tea towels to the propane in the tanks.....
all was lost.
dont get greedy and rip them off just make sure its fair.

and as far as the boat.... tash has spoken!!!!....
however i remember working for a flood restoration company a number of years ago... they did the clean up at the insurance co's expence!
personally i like the idea of dipping it in the water a few times without the plug!!!! im sure well see u on u tube under stupid human tricks .......bet we know what the truth is!

keep your chin up!
and enjoy shopping!
cheers,
oops.

 

[Mr.Stuart]

Re: flood damage, how bad?

i like the idea of dipping it in the water a few times without the plug!!!! im sure well see u on u tube under stupid human tricks .......bet we know what the truth is!

I can see it now, a video of the boat going in and out of the water, no plug ....is that really gonna work? that's a pretty small hole that plug goes into, maybe fill it full of water with a garden hose then pull the plug? ....I can see I'm going to be busy for a while.

 

[Mr.Stuart]

Re: flood damage, how bad?

OK, moods getting better, I was looking at Craig's list for another travel trailer and found the one in the picture. The ad says it's a really nice one owner trailer that has always been covered, no leaks, never has leaked, and everything works.

I've been thinking about the insurance thing, sure glad I had them both covered, I almost dropped the insurance on the camper after I paid it off but didn't, I've wanted to downsize anyway, this one I'm looking at is only a foot shorter, but I figured being how it's just the kids and I now days, maybe it's time to start with something new and just start over.

The flood kind of got me shook, and I'm sure it showed in my posts, sorry about that, I'm better now though and I've kind of been walking around today thinking "merry Christmas to me, marry Christmas to me, I'm going to get a new trailer, marry Christmas to me"

I'm not going to worry about the boat, I'll either clean it up, or take it somewhere to have it cleaned up, but will probably do it myself, I really don't like the idea of someone else working on my stuff, I'd rather do it myself, and it will give me a good chance to get up close and personal with that boat, get to know it better, so I'm going to consider this whole thing just a small hick-up in life. I'm going to go work on my little boat now, be back later with more pictures.

 

[tashasdaddy]

Re: flood damage, how bad?

don't count your $ till in hand.

 

[oops!]

Re: flood damage, how bad?

bill your insurance company for the time it took to clean the boat.

be honest, dont get greedy, make up an invoice.

you can consider that as a deductable.

remember.....as if it never happened....thats the law.

 

[Mr.Stuart]

Re: flood damage, how bad?

bill your insurance company for the time it took to clean the boat.

be honest, dont get greedy, make up an invoice.

you can consider that as a deductable.

remember.....as if it never happened....thats the law.

I just got off the phone with the insurance company, they told me that they categorized the flood because of the damage (not sure what that means) and my insurance agent was ringing my phone to tell me they are there to help if I have any questions, he phoned me while I was still on the phone filing the claim to the claims division. Talk about fast!

I have 100 dollar deductible on the travel trailer, not sure what I have on the boat, she was trying to push the claim through and the computer wasn't taking the numbers for the boat, but they did tell me that the contents of the camper aren?t covered, only the trailer itself and the appliances that are built into it, which I find somewhat odd, but my agent told me that they will work with me and try to somehow compensate for the contents, I lost a lot of stuff in there, all my tent camping gear was in the camper as well, so it's all pretty much ruined, about the only camping stuff I have that didn't get flooded was what I took with me when I took the kids on a picnic in the little boat about a month and a half ago, it would be nice to get the stuff replaced

As for the boat, if it looks like there?s no damage, they said that they'd at least pay to have it serviced and checked out so it gets a clean bill of health, so I'm happy with that.

Going to keep my fingers crossed about the camper, I am a little worried that I might get my insurance dropped, I hear rumors about things like that, I've never filed a claim before and would hate to see them drop me because of it.

 

[tashasdaddy]

Re: flood damage, how bad?

get the gear out and dry it out, try to salvage what you can. most of it was ment to get wet. it's camping gear.

 

[Mr.Stuart]

Re: flood damage, how bad?

get the gear out and dry it out, try to salvage what you can. most of it was ment to get wet. it's camping gear.

I'll be doing that this weekend

 

[SgtMaj]

Re: flood damage, how bad?

Wether they drop you or not, they are legally responsible for covering this claim. If they give you that kind of grief about it, first threaten to, and then do complain to your state insurance commissioner. In most states they get huge fines from the state, even if they are not found at fault.

Here in TN, back in 1990 insurance companies were fined $4000 if they were not found at fault, and $11,000 if they were (that's on top of what they have to pay out to you, but that money is paid to the state). I'm not sure what the fines are today, or in other states. But there's pretty much no way out of the fines for the insurance companies because if they fail to pay the fines, they lose their liscense to sell or provide insurance services in that state.

As far as the odds of them cancelling your insurance go, it's highly unlikely. Odds are you have already paid far more in premiums than you will receive from the claims, so you will still remain a profitable customer to them. Even if you do receive more than you've already paid, they will run the statistics to determine if there is a reasonable chance of making up the difference from future premiums before another claim is made, so unless you are in a flood prone area, you are safe there. Even if you are in a flood prone area, they would be more likely to simply raise the premium than to cancel your policy. Finally they are unlikely to cancel your policy because you are not at fault for a flood (unlike people who are at fault in multiple car accidents or receive multiple tickets).

 

[tashasdaddy]

Re: flood damage, how bad?

it is common for vehicle insurance, not to cover contents.

 

[SgtMaj]

Re: flood damage, how bad?

Oh yeah, I wasn't saying anything about the contents... that is dependant upon what was written in the policy. If they wern't covered by the policy then the insurance is not responsible for them. If they work with him to get him some compensation for the contents even though they are not repsonsible for it, then good for them. That's great customer service on their part and will get them many more customers as word of mouth about their great service spreads.

 

[Mr.Stuart]

Re: flood damage, how bad?

time will tell, but I think their going to get me taken care of, the adjuster called back tonight but I was working and missed the call, so I'll call the guy tomorrow, I'm going to start salvaging stuff out of the camper this weekend, I want to get it cleaned out so they can take it, and I'll bring the boat home and work on it here, there's some stuff I wanted to do to it anyway, I've learned a few things along the way with this little boat I'm restoring, and I think I can get the Starcraft cleaned up and looking pretty good, but am still going to have it checked out, just to be on the safe side. it's getting a little crowded over here with these trailers, I've got the little boat and the utility trailer shoved up this driveway, and had the Starcraft and travel trailer stored over at the friends place. so I'm going to have to somehow make some room here

 

[tashasdaddy]

Re: flood damage, how bad?

yeah on higher ground.

 

[SpinnerBait_Nut]

Re: flood damage, how bad?

And don't expect much for your trailer.
They go downhill fast.
I have full coverage on my boat and camper and it does cover all contents.
That's with GMAC.
Having 11 vehicles, 5 with full coverage with them, might have something to do with it too.

 

[Mr.Stuart]

Re: flood damage, how bad?

And don't expect much for your trailer.
They go downhill fast.
I have full coverage on my boat and camper and it does cover all contents.
That's with GMAC.
Having 11 vehicles, 5 with full coverage with them, might have something to do with it too.

I'm not expecting to get a fortune out of it, just enough to replace it with something like it, minus all the Mud