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 > RV insurance claim - flood

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Gooma

Iowa

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Posted: 01/19/23 08:54am Link  |  Quote  |  Print  |  Notify Moderator

It is NOT up to the adjuster. It is what you are covered for.
You need to read your policy

Cummins12V98

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Posted: 01/19/23 09:15am Link  |  Quote  |  Print  |  Notify Moderator

Does not matter squat what anyone here says. You need to talk to your agent about what is and what is not covered.


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tourusa

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Posted: 01/19/23 09:23am Link  |  Quote  |  Print  |  Notify Moderator

I’ll find the details in the policy the declaration page has the below


Coverage
Auto Collision Insurance
Auto Comprehensive Insurance Contents
Limits
Actual cash value up to: $54,000
Actual cash value up to: $54,000
$5,000 stated amount

tourusa

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Posted: 01/19/23 09:29am Link  |  Quote  |  Print  |  Notify Moderator

The list off the website of coverage

Protect your home away from home.
The unexpected is part of the thrill when you’re checking out the sights from your home on wheels. With RV insurance you can make sure that whatever comes your way, your property and passengers will be protected.

Bodily injury liability
Protects you and other insured drivers if one of you injures someone in a covered accident that you're legally liable for.
Property damage liability
Protects you and other insured drivers if one of you damages another person's property in a covered accident that you're legally liable for.
Collision coverage
Helps pay for the damages when your RV is in a covered accident.
Comprehensive coverage
Covers damage to your RV caused by non-collision losses, such as falling objects, fire, theft, vandalism and flood.
Personal effects coverage
Covers personal property in your RV when it's damaged or destroyed as part of a covered collision or comprehensive loss.
Medical payments coverage
Covers necessary medical treatment if you or your passengers get injured in a covered accident.
Personal injury protection coverage (PIP)
Covers reasonable and necessary medical, rehab or funeral expenses if you or your passengers are in a covered accident. It even covers work loss, survivors' loss and essential services, like household maintenance. The coverage varies by state, and you might hear it called "no-fault" insurance.
Uninsured & underinsured motorist coverage
Covers you if a driver who has no insurance causes injury to you or your passengers. It also applies if the driver doesn't have enough insurance to cover the damage they've caused you.
Towing and labor costs coverage
Covers the cost of labor done on the spot and the cost of towing if your RV breaks down.
Total loss replacement
Replaces your RV with a new one of the same model year and or newer and of the same value if your RV is totaled.
Vacation liability
Provides liability protection if someone is injured in or around your RV while you are on vacation.
Emergency expense
Provides coverage for travel expenses, such as transportation and hotel costs, if your RV becomes disabled due to a covered loss over 50 miles from home.
Full timer’s liability coverage
Provides liability coverage, like homeowners, when the RV is used as a permanent residence more than six months per year.
Pet coverages
Included with your policy, we provide coverage if your cat or dog is injured in an accident while in your RV.
Tow bar coverages
Included with your policy. If your tow bar is damaged in a loss, there is coverage for that too.

tourusa

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Posted: 01/19/23 11:11am Link  |  Quote  |  Print  |  Notify Moderator

Spoke to my agent and they said they won’t cover hotels due to it being a fifth wheel

schlep1967

Harrisburg, PA

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Posted: 01/19/23 11:26am Link  |  Quote  |  Print  |  Notify Moderator

From your last 3 posts, if you don't have "Emergency expense" on your policy, I wouldn't think it would.
Again, find and read your policy. Your agent saying it won't cover it because it is a fifthwheel does not seem logical. If he says it's not covered because you do not have emergency expense coverage, that would make sense.


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Posted: 01/19/23 12:10pm Link  |  Quote  |  Print  |  Notify Moderator

tourusa wrote:

Spoke to my agent and they said they won’t cover hotels due to it being a fifth wheel


Well if you just posted YOUR policy above and not some general info it says you have loss of use coverage.
As to the agent saying no because it’s a 5ver sounds totally suspect like a janky insurance agent….

And your policy terms (if they’re yours) read like a full timers policy as does your initial post, so figure out what you have if any for loss of use coverage. We can’t read your policy unless you post it for us. But loss of use will likely just be a $amount cap.


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dedmiston

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Posted: 01/19/23 12:21pm Link  |  Quote  |  Print  |  Notify Moderator

If it were me I would call Allstate's claims office instead of your agent. The agent is probably right, but might not be. The agents don't have the authority or expertise to approve or deny a claim.


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tourusa

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Posted: 01/19/23 12:25pm Link  |  Quote  |  Print  |  Notify Moderator

Thanks, first is the inspection tomorrow then will start the process of dealing with the adjuster if it’s not gonna well then may need a claims adjuster on my side

tourusa

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Posted: 01/19/23 01:27pm Link  |  Quote  |  Print  |  Notify Moderator

So the adjuster is saying they don’t pay hotel whilst the rv is being fixed and to claim via home insurance very weird

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