Winter travel - leaving your house - Page 4 - Fiberglass RV


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 12-12-2013, 05:54 PM   #43
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: 6,307
Registry
Quote:
Originally Posted by Carol H View Post
"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.
And this is why I don't worry about it.
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.
__________________

__________________
Byron & Anne enjoying the everyday Saturday thing.
Byron Kinnaman is offline   Reply With Quote
Old 12-12-2013, 06:32 PM   #44
Moderator
 
Jim Bennett's Avatar
 
Name: Jim
Trailer: 2017 Escape 5.0 TA
Alberta
Posts: 4,724
Registry
Bryon, would it not still be your principal residence? Travelling in an RV would not exclude it from being so. Vacant seems to refer to nobody having intent to live there at all.

My insurance company clearly stated that we have to have someone go through the house every 2 or 3 days (I forget which). We ran into a real hassle with a rental property of ours that had sewer backup, and we found out the tenant had not been there for a couple weeks, as he was working out of town. We had a bit of a hassle with the insurance company, but fortunately there were tenants upstairs that shared a common area for laundry in the basement. It was them that discovered the problem, but they actually had not done laundry for about 5 days when they noticed.
__________________

__________________
2017 Escape 5.0 TA (January 26)
2015 Ford F150 Lariat 3.5L EcoBoost
2009 Escape 19 (previous)
“Most folks are about as happy as they make up their minds to be.” — Abraham Lincoln
Jim Bennett is offline   Reply With Quote
Old 12-12-2013, 06:39 PM   #45
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
I have a clause in mine that says I have to notify the insurance company if it is going to be vacant for 30 days or more ( this is under a mortgage section ). So, that may be similar to your clause 31.
I think that's separate from having the responsibility to have someone look in on the place every few days.
I wouldn't be comfortable with the answer you got from your agent. For one, they don't declare that you definitely are covered if nobody checks the house.
Imagine: you leave and a week later your plumbing springs a small leak. You return two months later and try to claim for damages that would have been mitigated had you had the house checked from time to time. Do you trust your insurance company to pay out for full damages?
CBC Marketplace just did a show on insurance companies and how they manage to avoid paying claims.
__________________
Glenn Baglo is offline   Reply With Quote
Old 12-12-2013, 06:55 PM   #46
Moderator
 
Jim Bennett's Avatar
 
Name: Jim
Trailer: 2017 Escape 5.0 TA
Alberta
Posts: 4,724
Registry
Quote:
Originally Posted by Glenn Baglo View Post
CBC Marketplace just did a show on insurance companies and how they manage to avoid paying claims.
It can be near criminal. I know of many instances here in Calgary after the flooding where they offer WAY less than the work would cost.

On one customers basement that we had finished 18 months earlier, one cost they assessed was $175 to replace an interior door with casings and jambs. This includes material and labour to pick up and install. My cost on the solid maple shaker door slabs was $170, before markup, and this included no labour or the jambs and casings. My cost estimates for repair was 50% higher, and there is absolutely no way that the insurance company could do it for the price they gave, something is fishy there.

I could go on and on with issues I have had with insurance companies over the years. Basically, you just keep doling out money for premiums, and hope like hell you never have to use it.
__________________

__________________
2017 Escape 5.0 TA (January 26)
2015 Ford F150 Lariat 3.5L EcoBoost
2009 Escape 19 (previous)
“Most folks are about as happy as they make up their minds to be.” — Abraham Lincoln
Jim Bennett 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 03:59 PM.


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