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Rvmainer

Charlotte

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Posted: 04/28/19 08:35am Link  |  Quote  |  Print  |  Notify Moderator

Does anyone have any tips on dealing with insurance or if you can sell any parts to a salvage yard. We had a fleetwood Providence.

dockmasterdave

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Posted: 04/28/19 08:51am Link  |  Quote  |  Print  |  Notify Moderator

If you take payment from the Ins co. they own the RV. They may choose to sell it for parts, not you, they own it. You can get paid by Ins, or you can try and part it out but not both. Unless you buy it back from the Ins as scrap. To the best of my knowledge. We had a TT get totaled by someone. I took off anything that would not have come with the TT from the factory, and then got paid for the value of the TT.

* This post was edited 04/28/19 09:48am by dockmasterdave *


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Posted: 04/28/19 11:00am Link  |  Quote  |  Print  |  Notify Moderator

Same as any other insured vehicle. Presume it's totalled, so unless you buy it back,mits not yours once you get the check.


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Rvmainer

Charlotte

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Posted: 04/28/19 03:18pm Link  |  Quote  |  Print  |  Notify Moderator

Thank you it was completely burned from the front to middle. We will probably just take the insurance check bc we still have a loan. Not sure if contents like plates, clothes etc are covered.

RAS43

Littleton,CO

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Posted: 04/28/19 03:32pm Link  |  Quote  |  Print  |  Notify Moderator

Rvmainer wrote:

Thank you it was completely burned from the front to middle. We will probably just take the insurance check bc we still have a loan. Not sure if contents like plates, clothes etc are covered.


Could be covered, depending on your policy. I'd make sure I got everything that I was entitled to.

wa8yxm

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Posted: 04/28/19 04:27pm Link  |  Quote  |  Print  |  Notify Moderator

Rvmainer wrote:

Thank you it was completely burned from the front to middle. We will probably just take the insurance check bc we still have a loan. Not sure if contents like plates, clothes etc are covered.


Plates, cloths and such if you can clean them up they are yours unless the insurance specifically pays for them.

The rest of the coach will belong to the insurance co
They will likely either pay the bank off seperately or pay the bank and let the bank pay you or issue a Dual Signatuire Check (yours and the banks)


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beemerphile1

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Posted: 04/28/19 04:58pm Link  |  Quote  |  Print  |  Notify Moderator

Rvmainer wrote:

Thank you it was completely burned from the front to middle. We will probably just take the insurance check bc we still have a loan. Not sure if contents like plates, clothes etc are covered.


Personal items are often not covered by a typical RV policy. Personal items should be covered by a homeowner's policy.


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Charlotte

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Posted: 04/28/19 05:55pm Link  |  Quote  |  Print  |  Notify Moderator

Thank you this has all been helpful.

mike brez

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Posted: 04/28/19 06:58pm Link  |  Quote  |  Print  |  Notify Moderator

Sorry for your loss. My I ask what happened.


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Rvmainer

Charlotte

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Posted: 04/28/19 07:08pm Link  |  Quote  |  Print  |  Notify Moderator

It happened Friday so we are not sure yet, but the fire department thinks maybe electrical. Just hoping we get enough to pay off the loan.

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