big kahuna1
Florida
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Joined: 06/15/2006
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Well, I don't consider a crimped line or a clogged line a mechanical failure or an inherent vice so I would report the claim and let the claims adjuster handle it. Personally, I think it would be covered if it can be considered sudden and accidental and is not a mfg. defect or if it occurred over a length of time. If it is a mfg. defect I would thing the mfg. should cover it, even if out of warranty.
Go ahead and report it to your carrier. It can't hurt.
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topflite51
In The Desert of Nevada
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Joined: 05/13/2004
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Good Sam RV Club
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big kahuna1 wrote:Well, I don't consider a crimped line or a clogged line a mechanical failure or an inherent vice so I would report the claim and let the claims adjuster handle it. Personally, I think it would be covered if it can be considered sudden and accidental and is not a mfg. defect or if it occurred over a length of time. If it is a mfg. defect I would thing the mfg. should cover it, even if out of warranty.
Go ahead and report it to your carrier. It can't hurt. It can't? I was told by an agent that I had a long long time ago, that any claim paid or not can affect your rate.
 David
Just rolling along enjoying life
w/F53 Southwind towing 87 Samurai looking to golf or fish
Simply Despicable 
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chuckster11
Idaho
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Joined: 04/30/2004
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big kahuna1 wrote:Well, I don't consider a crimped line or a clogged line a mechanical failure or an inherent vice so I would report the claim and let the claims adjuster handle it. Personally, I think it would be covered if it can be considered sudden and accidental and is not a mfg. defect or if it occurred over a length of time. If it is a mfg. defect I would thing the mfg. should cover it, even if out of warranty.
Go ahead and report it to your carrier. It can't hurt.
Unfortunately, that is not always the case with some insurance companies. It can "hurt" future renewals to report claims-even ones not covered or paid. Claim inquiries are someties used to underwrite new and renewal business.
So, again, it is good to contact the agent first, let him/her determine if a claim is covered under the terms of the policy before actually turning in the matter to the claims department.
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j.l.shand
Katy. texas USA
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Joined: 05/14/2003
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Thanks to everyone who responded. Seems to be about an even split.
Unfortunately but,likely too often true in this day and age, I don't have an "agent" to question. I bought the coverage on the telephone as recommended by my old carrier who stopped covering RV's.
I have been covered with the same company with wonderful service (USAA) for 44 years without ever once meeting an sales agent. What they recommend I have always done with complete confidence and satisfaction.
When they recommended my new RV carrier they actually placed the connecting call!
I had already opened a claim when I started this thread. I certainly apologize to any present or former agents who were bothered that I might query a "forum" rather than a professional insurance agent.
joel shandalow
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chuckster11
Idaho
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j.l.shand wrote:Thanks to everyone who responded. Seems to be about an even split.
Unfortunately but,likely too often true in this day and age, I don't have an "agent" to question. I bought the coverage on the telephone as recommended by my old carrier who stopped covering RV's.
I have been covered with the same company with wonderful service (USAA) for 44 years without ever once meeting an sales agent. What they recommend I have always done with complete confidence and satisfaction.
When they recommended my new RV carrier they actually placed the connecting call!
I had already opened a claim when I started this thread. I certainly apologize to any present or former agents who were bothered that I might query a "forum" rather than a professional insurance agent.
No offense taken here shand. Unfortunately USAA no longer underwrites RV's. If they did, I would suspect you might get a positive outcome on this claim. I have always considered USAA one of the finest, if not the finest, casualty insurance companies in the Nation. In terms of underwriting, service, and claims service, USAA is both unique and outstanding.
Didn't they "place" you with Progressive?
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big kahuna1
Florida
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"Rates" do not really go up with a "comprehensive" claim and depending on the carrier, one claim is not going to affect you anyway. Now, if you have too many claims, then it will affect you by being cancelled OR they COULD place you in a different rating tier on renewal which in effect, is a rate increase as the premiums will be higher in that tier than the rating tier you were in. Policies on RV trailers are not like auto or M/H home policies where at fault accidents can end up having a surcharge placed on your policy. Not at fault accidents or "Acts of God" should never affect your policy. If it does, then change Companies and file a complaint with the Insurance Commisioners office in your State.
If you are with a company that considers one claim a no no and wants to non-renew you than trust me, you are better off without that company as they are looking to deny claims rather than pay them. Now if you are a claim magnet, then you may deserve to get cancelled if you report every single claim, whether minor or major.
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chuckster11
Idaho
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big kahuna1 wrote:"Rates" do not really go up with a "comprehensive" claim and depending on the carrier, one claim is not going to affect you anyway. Now, if you have too many claims, then it will affect you by being cancelled OR they COULD place you in a different rating tier on renewal which in effect, is a rate increase as the premiums will be higher in that tier than the rating tier you were in. Policies on RV trailers are not like auto or M/H home policies where at fault accidents can end up having a surcharge placed on your policy. Not at fault accidents or "Acts of God" should never affect your policy. If it does, then change Companies and file a complaint with the Insurance Commisioners office in your State.
If you are with a company that considers one claim a no no and wants to non-renew you than trust me, you are better off without that company as they are looking to deny claims rather than pay them. Now if you are a claim magnet, then you may deserve to get cancelled if you report every single claim, whether minor or major.
Well, isn't that the point? A windshield chip here, maybe one last year, an awning damaged by wind, an animal collision four years ago, some petty vandalism just awhile back, a theft, etc. all add up to a Comp frequency problem that will effect the deductible on the policy you have or the application with a new company you want to change to.
No one is going to be hammered for one Comp claim but a bunch of nickel/dime losses will result in some action.
RV policies are like auto policies and can and will be rated or cancelled for prior accidents--fault and no fault accidents. These policies are underwritten in the same manner as an auto policy--except the item insured is much more expensive, certainly more exposed to some forms of comp losses than autos, and capable of doing much more property damage and bodily injury in an average collision situation.
All sorts of possibilities exist depending on how long you have been with the company, how many more policies the company has on your stuff, the agent, and, frankly, how the claim is reported.
Certainly filing a complaint with the Insurance Commission is a remedy but, in my experience, denied claims generally comply with all state laws most of the time. I have rarely seen a claim that was denied reversed by an Insurance Commission because most denials are based on clear language in the policy that excludes the loss. Consumer misunderstanding of policy provisions cannot reverse a denial.
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WTTCS
freedom , U.S.A.
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Joined: 07/28/2003
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And I MUST add that cruisers opinion is that of an insurance agent/claim etc, NOT THE ADVICE OF A GOOD ATTORNEY.
Fact is if your water hose on your washing machine broke and caused the damage, IT WOULD BE COVERED.
1997 chev crew cab 454, 5 sp. 4.10
2000 Fleetwood Caribou 11.5
2006 3500RL Montana
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mattfenn
Michigan
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j.l.shand wrote:I've just learned that the water line from my refrigerator crimped or became clogged causing extensive water damage to my rig flooring. When we realized during a recent trip that flooring was buckling we stopped using fresh water hookups and the washing machine. Nothing to indicate the fridge was the culprit
That would be considered sudden and direct damage. The line itself will not be covered, but the resulting damage should be. File a claim.
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WTTCS
freedom , U.S.A.
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"That would be considered sudden and direct damage. The line itself will not be covered, but the resulting damage should be. File a claim."
To this I would and will agree.
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