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Old 06-27-2015, 08:09 AM   #15
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Really sorry to hear about your 280!
I have dealt with Airstream Insurance claims several times and had to provide proof of improvements and comps to get them to pay. Since I have restored several Motorhomes, I would value your 280 at about 22 -27k.
I know this does not help you with this claim, but do yourself a big favor and establish a "stated" value on your next Airstream policy. I would have lost big time without it on one of my claims.
If you need some Airstream Motorhome time, please come and visit me and my current 310 in North Austin. It may help you start dreaming again.
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Old 06-27-2015, 08:17 AM   #16
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Did you by chance have replacement cost insurance on it ? If you did the insurance company may have to rebuild it for you. Just a thought.
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Old 06-27-2015, 08:54 AM   #17
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ACV. 😓


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Old 06-27-2015, 08:57 AM   #18
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1981 28' Airstream 280
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But I know I had just spoken with them because it said $8500. That's what I paid for it 8 yrs ago before restoration so I called them and told them it needed to be higher. And I looked at my policy and it says ACV!


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Old 06-27-2015, 10:51 AM   #19
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The thing about stated value is that you have to come to some agreement with the ins company as to what that value is. They start with KBB which we all know isnt accurate. I have a stated value policy but it is much lower than actual. I dont know of any other way to increase the stated value other than to get a proffesional appraisal. Is there some other way? Im willing to pay higher premiums, thats not the issue. This heart breaking situation is really a heads up for all of us AS motorhome owners. Many of us are in the same situation with our rigs. I just dont know enough about insurance to arrange a policy that will come close to actual replacement value. In my case, with a 310 turbo diesel with an Allison tranny, there just isnt enough of them to get many true comps. Trying to explain that to an agent is near impossible. Any insurance gurus out there that could help us ALL out so we can learn from this tragic situation......?
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Old 06-27-2015, 12:14 PM   #20
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Quote:
Originally Posted by mayco View Post
The thing about stated value is that you have to come to some agreement with the ins company as to what that value is. They start with KBB which we all know isnt accurate. I have a stated value policy but it is much lower than actual. I dont know of any other way to increase the stated value other than to get a proffesional appraisal. Is there some other way? Im willing to pay higher premiums, thats not the issue. This heart breaking situation is really a heads up for all of us AS motorhome owners. Many of us are in the same situation with our rigs. I just dont know enough about insurance to arrange a policy that will come close to actual replacement value. In my case, with a 310 turbo diesel with an Allison tranny, there just isnt enough of them to get many true comps. Trying to explain that to an agent is near impossible. Any insurance gurus out there that could help us ALL out so we can learn from this tragic situation......?
I am no insurance expert, but I can tell you that since my first experience with Hail, I have insured my MH's and Trailers with a stated value rider. It may just be a matter of which company you insure your Airstream with. I am with State Farm and when I asked the "new" agent that I wanted a "stated" or "agreed on" value, she told me that it is not available. I was consistent with my request and always get the stated value rider. It costs a little more, but so what.
Talk to your agent and change insurance companies, if they can't help you.
It is important to understand that even with a stated value rider, the actual claim will still be determined at the time of the loss, but you are already in a much better position to start with AND you may not end up with a salvage title due to 75% bracket when vehicles are usually deemed a total loss.
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Old 06-27-2015, 12:41 PM   #21
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I deal with insurance companies on a daily basis for work. The bottom line is that they will give you the least amount of money that they think you'll take. My suggestion from dealing with them daily is that you get a public adjuster involved. The insurance companies have adjusters who work for them and are on their payroll thus their actions are going to be in the best interest of the person writing their checks. You can have an adjuster that works for you instead. Don't let the insurance company set the rules that you play by. Make them follow your policy. A public adjuster will do that for you. If you need help finding on PM me. I know several who can help.
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Old 06-27-2015, 12:42 PM   #22
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And I'll say that with the Texas Longhorns pillows and blankets the value of the trailer is worth way more! ; )
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Old 06-27-2015, 02:52 PM   #23
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I intend to buy her back. I know it will cost me more to rebuild her than what it'll be worth when I'm done so I've got a big decision to make.
I'm really sorry to see what happened to your beautiful 280

As you said the good news is you and your family are safe.

As for trying to rebuild it I really don't think it would be feasible. The aluminum skin will have warped and stretched from the heat and the only recourse would be to re-skin the entire coach inside and out. Likely the structural ribs are warped as well. Not to mention most of the windows are no longer available.

As Tony suggested, using it as a source for parts for your next coach would be the best course of action.

Good luck dealing with the insurance company and I hope it works out in your favor.

Brad
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Old 06-27-2015, 03:43 PM   #24
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As for trying to rebuild it I really don't think it would be feasible. The aluminum skin will have warped and stretched from the heat and the only recourse would be to re-skin the entire coach inside and out.

Brad is correct on this. The aluminum is tempered. After being exposed to all that heat the temper has been changed and the aluminum will likely fail if not replaced. I can only assume that the ribs are tempered as well, but someone with more knowledge may be able to confirm or refute that. Rebuilding it does not seem like a viable option. If it was your insurance company would have opted to repair it instead of totaling it. They know it's cheaper to replace it than repair it.
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Old 06-27-2015, 04:12 PM   #25
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I say $80,000 to $100,000 (or more) damage.

Fixing the unit is possible, but way unpractical.

Even a DIY job you will be out 60K in hard cash....

Let it go, buy yourself another and move on.

I would not buy the shell, it will depress you every time you put eyes on it.
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Old 06-28-2015, 09:20 AM   #26
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Thanks y'all!!! I will probably not rebuild but will look to use parts off of it, reuse what I can, my new tires for one.


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Old 06-28-2015, 10:14 AM   #27
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Exactly!!
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Old 07-02-2015, 12:21 AM   #28
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These are sad, sad photos. We all hope you find a replacement and motor on.
If you ever find out what caused the fire, please let us all know.
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