Winter travel - leaving your house - Page 3 - Fiberglass RV


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 12-11-2013, 04:54 PM   #29
Senior Member
 
rabbit's Avatar
 
Name: Jack
Trailer: '98 BURRO 17WB
Delaware
Posts: 2,548
Linked material is very thorough, Raz. Some precautions I didn't consider and some I don't worry about such as p-traps.

jack
__________________

__________________
rabbit is offline   Reply With Quote
Old 12-11-2013, 05:55 PM   #30
Senior Member
 
Byron Kinnaman's Avatar
 
Name: Byron
Trailer: 2006 Scamp 13' towed with a 2005 Dodge Dakota 4.7l Magnum W/full tow package (over kill)
Oregon
Posts: 6,312
Registry
Quote:
Originally Posted by Carol H View Post
Like others my insurance company requires someone to check on the house ever few days.
I've tried to check on this, but so far all the information I've found is that US homeowners insurance covers us while traveling, including theft from the trailer or automobile and liability if somebody trips on the tongue of the trailer. I've seen nothing about requiring somebody checking on the house while we're gone. Is this a Canadian thing only, or do any of us US residents have the checking requirement?
__________________

__________________
Byron & Anne enjoying the everyday Saturday thing.
Byron Kinnaman is offline   Reply With Quote
Old 12-11-2013, 06:03 PM   #31
Senior Member
 
Glenn Baglo's Avatar
 
Name: Glenn ( second 'n' is silent )
Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
Posts: 4,369
Byron - you would need to check with your insurance company, if you can't find it in the small print of YOUR policy. No point asking others with other insurance coverage.
__________________
Glenn Baglo is offline   Reply With Quote
Old 12-11-2013, 07:01 PM   #32
Senior Member
 
Carol H's Avatar
 
Name: Carol
Trailer: 22' Airstream Formerly 16' Scamp
British Columbia
Posts: 11,731
Registry
Byron, best to read the fine print on your policy. A quick google search showed its not just a Canadian thing.... seems a number of US insurance companies also have a Unoccupancy Clause that kicks in if the home is not lived in for more than x so many consecutive days.
Carol H is offline   Reply With Quote
Old 12-11-2013, 07:55 PM   #33
Senior Member
 
Sue and Henry's Avatar
 
Name: Sue and Greg
Trailer: 1982 Burro 13 foot and a 2015 Casita Spitit Deluxe 17 ft.
Washington
Posts: 575
Registry
Great ideas here! Our house in Eugene is heated - but we still got a call from our wonderful neighbor. Worried about the unusually cold weather, she checked and we have one bathroom where the water isn't flowing. I fly up tomorrow. :-) ah well. I guess I'll need a sweatshirt?
__________________
Sue and Henry is offline   Reply With Quote
Old 12-11-2013, 09:37 PM   #34
Senior Member
 
Byron Kinnaman's Avatar
 
Name: Byron
Trailer: 2006 Scamp 13' towed with a 2005 Dodge Dakota 4.7l Magnum W/full tow package (over kill)
Oregon
Posts: 6,312
Registry
Quote:
Originally Posted by Glenn Baglo View Post
Byron - you would need to check with your insurance company, if you can't find it in the small print of YOUR policy. No point asking others with other insurance coverage.
I intend to check with my insurance co. and have since it was first mentioned. I have not found any reference to a concern on any of the RVing sites and was trying to determine how wide spread it is, if at all.

After Carol H's response I think there's some definition of terms at issue also. This all helps me ask the right questions. Example what does Occupied mean? What's the legal and insurance definition when it comes to a residence?

I'll find out a bit more when I talk to my insurance agent.
__________________
Byron & Anne enjoying the everyday Saturday thing.
Byron Kinnaman is offline   Reply With Quote
Old 12-11-2013, 09:40 PM   #35
Senior Member
 
Glenn Baglo's Avatar
 
Name: Glenn ( second 'n' is silent )
Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
Posts: 4,369
Let us know. It's information that people need. Insurance companies are always trying to figure out how to get your money and then not pay out when that time comes. That's how they make money.
__________________
Glenn Baglo is offline   Reply With Quote
Old 12-11-2013, 11:49 PM   #36
Senior Member
 
Roger C H's Avatar
 
Name: Roger
Trailer: 2009 Trillium 1300 "Homelet"/2014 Subaru Outback "Rosie"
Washington
Posts: 2,172
Registry
Talking Anti Freeze can freeze

Post #21 says:

" Those houses that had hot water heating systems we could fill the system with antifreeze."

I hope you are speaking of an anti-freeze mixture. Pure Anti-freeze freezes at about 8 F degrees and the anti-freeze for anti-freeze is water. 50-50 mixture will be good to about 50 F below.
__________________
A charter member of the Buffalo Plaid Brigade!

Whether you think you can or think you can't, you're right.
Roger C H is offline   Reply With Quote
Old 12-12-2013, 08:25 AM   #37
Senior Member
 
Name: bob
Trailer: 1984 u-haul ct13; 1996 Casita 17 Spirit Deluxe; 1946 Modernistic teardrop
New York
Posts: 4,333
Quote:
Originally Posted by Roger C H View Post
Post #21 says:

" Those houses that had hot water heating systems we could fill the system with antifreeze."

I hope you are speaking of an anti-freeze mixture. Pure Anti-freeze freezes at about 8 F degrees and the anti-freeze for anti-freeze is water. 50-50 mixture will be good to about 50 F below.
It was not automotive antifreeze. It's been about 25 years since I did that type work so I don't exactly recall just how we did it, But I THINK it was a pre mixed solution that came in 5 gallon containers and was made specifically for that type application. With a hot water heating system, regulated water pressure is required to be fed to the boiler. A back flow preventer, (check valve) is required to prevent the antifreeze from getting back into your domestic water pipes. If there is a leak in your heating system water will be fed in and dilute the antifreeze, so it's not a 100% fool proof solution, but does provide an added level of protection, and would most likely save the heating system from damage. My hot water baseboard system is set up so that the circulator will run when the thermostat calls for heat, even if the boiler has failed and no hot water. This at least keeps the water in the system moving and less chance of freezing. I don't have antifreeze in my boiler.
__________________
mary and bob is offline   Reply With Quote
Old 12-12-2013, 08:35 AM   #38
Senior Member
 
Name: bob
Trailer: 1984 u-haul ct13; 1996 Casita 17 Spirit Deluxe; 1946 Modernistic teardrop
New York
Posts: 4,333
On another note here, I received a PM from a member named Jim who has not posted on this topic. He sent a link to an alarm available from Amazon, and asked if that was what I have. Maybe unknown to Jim, he is set up to not accept PM's, so I can't answer by PM. So Jim, if you see this, yes, that looks to be the alarm that I have. It is set up in our living room in the house, away from an outside wall, plugged into a 110 outlet and phone line. I had to cut and extend the wires to the water sensor to get the sensor down to the basement floor. What I forgot to do before leaving home was to put new batteries in the alarm, as what's in there are a year old. Not the only thing I forgot, or can't find!
__________________
mary and bob is offline   Reply With Quote
Old 12-12-2013, 03:43 PM   #39
Senior Member
 
Byron Kinnaman's Avatar
 
Name: Byron
Trailer: 2006 Scamp 13' towed with a 2005 Dodge Dakota 4.7l Magnum W/full tow package (over kill)
Oregon
Posts: 6,312
Registry
Quote:
Originally Posted by Glenn Baglo View Post
Byron - you would need to check with your insurance company, if you can't find it in the small print of YOUR policy. No point asking others with other insurance coverage.
Here's a copy of the email I sent to agent.

My name is Byron Kinnaman. I am inquiring about a possible clause in my home owners policy no. XXXXXXX. I'm on a couple RV web forums and the subject of unoccupied homes came up in reference to part time traveling. Some RVers travel for up to 11 months out of the year, then return to their residence of record (house). My concern is that what's my coverage if I should take say a 6 month RV trip to travel around the country? or a 2 month trip, or a 3 month trip?

Thanks for your prompt response.


Byron and Beverley Kinnaman


His response..
Hi Byron,

In review of your home policy it sounds like you would be okay. I have attached a copy of your policy for your review. Please refer to the Definitions section, page 10, section 31 "Vacancy or Vacant". Please let me know if you have any further questions or concerns.

Thank you!

Page 10, Section 31

31. Vacancy or vacant - means:
a. no one is legally using the dwelling as a principal place of abode; and
b. a predominant amount of persona property has been removed or is absent from the dwelling.


I would suggest that you might want to ask your rep. what your insurance company says about this problem.
__________________
Byron & Anne enjoying the everyday Saturday thing.
Byron Kinnaman is offline   Reply With Quote
Old 12-12-2013, 04:11 PM   #40
Senior Member
 
Glenn Baglo's Avatar
 
Name: Glenn ( second 'n' is silent )
Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
British Columbia
Posts: 4,369
"It sounds like you would be okay".

That sure doesn't inspire confidence.
__________________
Glenn Baglo is offline   Reply With Quote
Old 12-12-2013, 04:45 PM   #41
Senior Member
 
Carol H's Avatar
 
Name: Carol
Trailer: 22' Airstream Formerly 16' Scamp
British Columbia
Posts: 11,731
Registry
"In review of your home policy it sounds like you would be okay."


gezz thats as clear as mud answer to what should have IMO been a simple yes or no answer....

The above is why I have a people check the house daily to try and keep the damages/losses to a minimum in the event something goes wrong.
Carol H is offline   Reply With Quote
Old 12-12-2013, 05:42 PM   #42
Moderator
 
Name: RogerDat
Trailer: 77 Scamp 13
Michigan
Posts: 3,081
I too was told there is a fine/cost associated with the DIY alarm if it calls in a false emergency call so setting it to dial 911 was a bad idea. I did like the idea of alarm calling myself, family or a neighbor.

Problem is we like so many people dropped our land line in favor of having that number on a mobile phone, saved about $60 each month since the mobile is just a $10 add-a-phone on our plan. No phone line = no phone call from alarm.

We do back up our digital photos to a portable drive which we leave with family, figure if the house was broken into computer will get stolen, pictures are the one thing we would not be able to replace with homeowners insurance.
__________________

__________________
RogerDat is offline   Reply With Quote
Reply

Tags
vin


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
NM Lite House Travel Trailer 13' Priest Referrals: Molded Fiberglass Trailers 0 04-07-2013 07:22 PM
New to LITE HOUSE, GRAND CAMP travel richard Trafton Care and Feeding of Molded Fiberglass Trailers 9 10-29-2012 12:23 PM
Check before leaving....? Lisa M. General Chat 12 07-16-2007 04:42 AM
OR winter travel Renee K. Camping, Campout Reports 5 12-06-2005 04:19 PM

» Upcoming Events
No events scheduled in
the next 465 days.
» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 03:24 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.