Flooded and heartbroken. - Page 3 - Fiberglass RV


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Old 08-21-2014, 02:12 PM   #29
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Name: Sandy
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The water stays in and does not run out because there is a very high lip at the bottom of the door. So i think it came in and sat on the floor, which if it was parked with the tongue up would force it to run tot he back where there is the most damage. In the mean time heavy rain yesterday and the trailer is dry this morning. Never thought of trying with the door unlached, will do that tonight or tomorrow when it rains again. Still waiting for insurance adjuster to call for appt. wish he would call soon I want to get started on the rebuild
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Old 08-30-2014, 07:49 AM   #30
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Update....

Just an update. Insurance inspector came and we took lots of pictures. He suggested that I take it to the trailer place for an estimate. I dropped it off yesterday and I expect it will take a few days. In the mean time we finished taking up the old floor and dried it out with a fan, a DriZair and just wiping up water with old rags. Tested the electrical and the fridge and both were fine.
Any wood touching the floor is suspect at this point. We'll just have to wait and see what they come up with. Still not 100% sure if we are covered. Agent says yes but the adjuster says maybe, depending on the inspectors report. Inspector won't submit report until he gets estimate from the trailer place. ARGH! More of the red tape run around!
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Old 08-30-2014, 09:33 AM   #31
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Your insurance adjuster makes no sense! How much the repair costs has nothing to do with is it a covered repair. Unless they decide it's totaled due to the repair cost or you have some minimum to meet for a claim.

I swear sometimes I think the only reason insurance companies are not the lowest life form is because there are lawyers and politicians in the world.

Hopefully it was just the adjuster being non-committal because they have no clue. I once had a car insurance adjuster call me and say "good news we can fix your car." I contacted insurance agent and asked "you sure about that?" Since my foot was broken by the transmission being sheared off of the engine and shoved into the passenger compartment I kind of doubted anything under the hood was "repairable" never mind the body work. Second adjuster took one look under the car and it was totaled.

Might have to be persistent but it sounds like you are making progress. Good luck.
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Old 08-30-2014, 09:48 AM   #32
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Apparently the issues With coverage are twofold. One is that the dolphin is listed on my car policy. Car policies are supposed to be for "sudden or immediate damage". To which I replied, the damage was probabaly sudden (a rain storm) I just didn't discover it for 6 weeks . The second issue is that the inspector needed to confirm that this wasn't caused by lack of maintenance. The inspector was real nice and he liked the shiny finish on the dolphin so i ended up directing him to this forum for the instructions on the Zep treatment for the fibreglass on his fifth wheel. I don't think that will be an issue, he saw how I baby her.

Who knows, whatever will be, will be.
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Old 09-24-2014, 11:42 PM   #33
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Name: Dale
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Hey Sandy, It's been about a month since your insurance adjuster visited. I hope you have some good news to share by now. How's it going? Any chance you'll be back camping soon? Fall is a wonderful season to enjoy secluded mountain camp sites....
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Old 09-25-2014, 04:59 PM   #34
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Well, it took forever for the trailer place to give the inspector their estimate. The inspector was submitting his report this week to the adjuster, who will decide if I am covered or not. He (the inspector) is recommending that they cover with a claim of $5000. The trailer place quoted $3000 to remove, store, then reinstall all the gas and electric appliances while the interior was professionally cleaned and all wood parts and floor were being either replaced and or coated in a mold resistant primer and paint. Then of course all new cushions. So now we wait some more.
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Old 01-10-2015, 08:17 AM   #35
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Insurance is going to pay, but I had to fight.
The adjuster called me to say sorry but you aren't covered for the damage and we won't pay. I was in my car when he called and I was in traffic and not a happy camper to start out with. So I got angry and told him that was bull**** and I wanted to talk to his supervisor. Of course she was 'in a meeting'.
I told him that I had been with that company for over 30 years and that if they didn't pay they would lose my car, my husbands car, our two trailers and our house. Two days later he called back and said they would cover me up to $8,000.
So, just goes to show that you shouldn't take the first answer they give you.
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Old 01-10-2015, 09:28 AM   #36
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Congratulations! Hope it turns out better than before to make up for all the aggravation you had to put up with.
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Old 01-10-2015, 12:26 PM   #37
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I'd change Ins Co's as soon as the check clears.
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Old 01-10-2015, 07:35 PM   #38
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Hey Sandy. I was so glad to finally read your post that the jerks paid you for your losses. Threatening to pull out your business did the trick, huh? I'm so sorry you had to go through all this. I think I'd take the check and start looking for another company too.

I'm sorry I can't remember, but how are your repairs coming to the trailer? Last I read you were trying fans or dehumidifiers to dry out? Did electrical systems take a beating?

Best wishes to you!


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Old 01-10-2015, 11:41 PM   #39
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Just for future reference --- who is the insurance company?
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Old 06-27-2015, 10:08 AM   #40
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Sorry, it's been so long since I updated everybody. Took the trailer to the rv repair place and they did nothing for 3 weeks found a mattress store that does custom cushions and have those ready to order. I was hoping to get the rv repair place to coordinate everything so the insurance could pay them, but that ain't happening. So I called the insurance and asked if they could issue me a cheque and I could take care of it all. The check is on it's way, yipee.

So now, the rv place has taken out all the appliances for me, and I have the trailer here ready to fix up. Here's the plan:
-find a fiberglass place to rehang the door so this does not happen again. Have them fix an old crack at the same time.
- scub ensolite and clean fibreglass parts.
-remove and replace the flimsy panel board under dinette and front bench
-attempt to turn front bench into a dinette
-scrape remaining residue off floor.
-paint all wood parts (including cabinet doors) and floor with bin or zinsser mold proof primer
- paint all above with a nice bright plastic paint
- buy new t moldings and install
-put in new flooring
-put in new cushions and have appliances reinstalled.
I guess my summer weekends are all booked
Any tips or suggestions are welcome.
Sandy
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