Insurance policies and their interpretation are subject to the laws of the state in which the coverage was purchased. So, call your state dept of insurance and ask about a statute of limitations. In many states, there isn't one. IF you had coverage with Progressive back in 2012 AND the shop can say with a very high degree of certainty that the incident in 2012 was the contributing factor to the water damage you should have some coverage in effect. There are certain exemptions and limitations, like failure to mitigate (that means to lessen the damage) but if a reasonable and prudent person thought the damage wasn't much, the duty to mitigate should go away.
Your entire claim is predicated upon the shop. IF they can be convinced to strongly state the 2012 incident caused the condition which led to the damages you should have some coverage in play. Do NOT listen to the first claim rep you deal with. Ask to speak to their Unit Manager, if no satisfaction from that person ask to speak to the Branch or Claims Manager and keep going up the line. I work for an auto insurance company now and several times we have afforded coverage to an Insured who just wouldn't go away. To be sure, there has to be a case for affording coverage in the first place. We don't provide coverage to thieves. But a reasonable person, making a reasonable claim with reasonable evidence to support their position usually wins the day.
They may only cover the damage that appears to be related to the loss and not all the water damage that occurred over time. So be it -- a little help is better than no help at all.
Like I have said many times you are covered for everything except one thing.. That one thing is what ever went wrong. I have never had a claim that my insurance company covered. Never! I have had many insurance companies. As of right now I have Progressive. They cover everything except one thing>
Progressive didn't bat an eye at paying for replacing the windshield and passenger side window in our previous coach a few years ago following a bird strike. And there was no rate increase at renewal time. OK then I have hope.. I have never filed a claim with them
99.9% of all animal impacts are settled under the Comprehensive portion of your physical damage coverage. 99% (or there abouts) of Comp claims don't result in rate increases.
I was just about to pull the trigger on the open frame Champion 3500 from a big box retailer because it was a great price (less than $300) but the specs said it ran at 68db. I went to a tool rental place and had them start an open frame genny with the same Db specs and 68Db's is loud. Too loud even 20 feet away from the camper.
I'm glad I waited -- now Champion has a dual fuel inverter type 3400 max watts that runs at 59Db's. I'm waiting for the Fall sale and I'm buying that sucker. It's quite a bit more expensive ($1k).
BTW -- decibel rating is progressive. There is a big difference bwtn 59Db's and 68Db's.
There are some other off-brands sold by big box retailers that have great prices and horrid reviews. I'm pretty convinced Champion is a great buy dollar for dollar. Honda/Yamaha have stellar reputations but stellar prices, too.
Thanks everyone for the responses. I decided to go with Stone mountain. I will have my toddler with me, and it looked like it had lots to offer.
Take LOTS of leveling blocks and/or wood as the sites at Stone Mtn are famous for being horribly out of level.
Sites 43 & 44 are very large. I think 44 has a bit more shade. It's a fairly long walk to the beach. There is parking close to the beach. 2 small convenient stores on the Island with limited selection. Across the bridge into Apalachicola there's an IGA. The raccoons are determined little pests so be careful with trash. If you're in pretty good shape the long, long walk along the beach toward the point with Dog Island (I think) is an amazing hike for the shells and just the Robinson Crusoe feeling of being abandoned on a deserted isle. Some locals and folks in the know drive thru the interior of the island to reach the point due to the great fishing but the "road" is just loose sand and brush and requires 4WD and experience. If you like something different hike behind the CG into the interior toward the bay and look for Osprey nest and learn about the turpentine.
There was 0 cell phone service when we were there 4 yrs ago. If you enjoy being connected to the world be prepared for isolation.