Insurace claim for leak

[paulitzlee2]

My insurance company is State Farm.

My 2006 Fun Finder X139 has some leak damage on the roof. About 2-3K worth.

I discovered it last November, and used it last summer, so it's not something I noticed and ignored.

Do most trailer policies cover something like this?

I can ask my agent, but I remember once I called to just ASK A QUESTION and they noted it in my file, the dirty scoundrels. So I don't know if I can trust them.

Also, would something like this raise your premiums?

If the repair was done under an insurance claim, it would be more, since the hourly rate is higher and they would probably do more extensive work, since insurance adjusters may be more picky than me, who just wants the basic fix.

Of course, they might total it out, since the trailer is worth 10K max.

What do you think?

[james kent]

I'm confused. Is this a modification, an alteration, or an update?

[Frederick L. Simson]

Originally Posted by james kent

I'm confused. Is this a modification, an alteration, or an update?

It belongs in "Problem Solving", so I moved it here.

[Frederick L. Simson]

Originally Posted by paulitzlee2

Do most trailer policies cover something like this?

I can ask my agent, but I remember once I called to just ASK A QUESTION and they noted it in my file, the dirty scoundrels.

What do you think?

What am I missing? How is having a conversation noted in your file a problem?

If you have itemized coverage, with Comprehensive like on your car, I would think they would cover if it doesn't total out the trailer. If all you have is Liability and Collision, then I think not. You need to read your policy.

[Greg H]

What kind of roof is it? If it's a rubber roof they require periodic maintenance and if it has not been done I doubt that the insurance company will do anything for you.

[Kevin K]

Call another State Farm agent and ask them.

[Francesca Knowles]

Originally Posted by Frederick L. Simson

What am I missing? How is having a conversation noted in your file a problem?

Any inquiry to your agent about coverage for damage you've already sustained is treated by the agent as an incident and is logged in your record. This true whether or not the incident is covered, and even if you don't file a claim. It's an "incident of loss", and an important statistical red flag. Your premiums will go up if enough such incidents accumulate in your record. Depending on type, even a single such "report" will trigger a hike in rates.
Insurance is a game of odds, and such inquiries in a policy holder's record are an indication of increased risk for the company.
Many people are unaware that "their" agent actually represents the interests of the companies he/she works for, and the agent's first duty is to protect the interests of those companies.
He/she is duty-bound to log those inquiries.

Per Paulitzlee2's question,
Check your policy!
Most vehicle policies don't cover the kind of damage you describe unless it was caused by a "covered incident" such as an accident.

Francesca

[Radar1]

Originally Posted by paulitzlee2

Do most trailer policies cover something like this?

Maybe so, maybe no.
The best advice I can give you is to look at your specific policy. It lists what is covered and what is excluded from coverage. Policies vary from state to state and even within insurance companies based on the specific coverage you purchase.
I worked a few years at a top-rated insurance company and we always made a record of policy coverage questions on existing policies, turns out that most people that have the questions already have the damage they are asking about but just don't want to admit it. If you call and ask then they will create a record of the question and if you file a claim on that damage in the future they will open that discussion as the claim. (This is why you want to be familiar with your policy even before you make the call)
Generally, if you have a policy that covers water damage, it will then be based on whether it was "sudden and accidental" damage such as caused by a tree limb poking a hole in it during a storm, or caused by prolonged leakage caused by poor maintenance.

John