Reply
 
Thread Tools Search this Thread Display Modes
 
Old 01-01-2007, 02:14 PM   #57
Rivet Master
 
Tinsel Loaf's Avatar
 
Join Date: Jan 2003
Posts: 790
I’m out voted. Okay, keep paying your monthly payments. Here is how our full replacement value insurance worked. We had a property replacement policy with a huge well-known insurance carrier. Not Farmers. One night a storm destroyed about six hundred-foot of our fence. I got out the policy and found that the fence had to be completely on the ground. If it was supported by anything that portion was not covered and the fence must have been attached to the house somewhere. Since there were so many claims for downed fences they never sent out an appraiser. They just took my photographs and how many feet was destroyed and sent me a check for less than half of what it cost to install the fence. The fence was about seven years old and in like new condition before the storm. I proved to them what it cost to build, but they told me that their full replacement value policy only paid X dollars per foot regardless of what it cost to build. I asked to see their justification but they refused to show me. Some full replacement policy. You must read the fine print if you can find it.
Good luck with your Airstream, but do have Jackson Center do the repair if you must fix it. Nobody can bring it back to life like they will. They may even tell the insurance company to scrap it and you’ll get a new Airstream.
__________________

__________________
Tinsel Loaf is offline   Reply With Quote
Old 01-01-2007, 03:02 PM   #58
Rivet Master
 
Jim Clark's Avatar
 
2012 28' International
Currently Looking...
New Orleans , Louisiana
Join Date: Apr 2002
Posts: 2,075
Images: 6
Quote:
Originally Posted by Tinsel Loaf
Iím out voted. Okay, keep paying your monthly payments. Here is how our full replacement value insurance worked. We had a property replacement policy with a huge well-known insurance carrier. Not Farmers. One night a storm destroyed about six hundred-foot of our fence. I got out the policy and found that the fence had to be completely on the ground. If it was supported by anything that portion was not covered and the fence must have been attached to the house somewhere. Since there were so many claims for downed fences they never sent out an appraiser. They just took my photographs and how many feet was destroyed and sent me a check for less than half of what it cost to install the fence. The fence was about seven years old and in like new condition before the storm. I proved to them what it cost to build, but they told me that their full replacement value policy only paid X dollars per foot regardless of what it cost to build. I asked to see their justification but they refused to show me. Some full replacement policy. You must read the fine print if you can find it.
Good luck with your Airstream, but do have Jackson Center do the repair if you must fix it. Nobody can bring it back to life like they will. They may even tell the insurance company to scrap it and youíll get a new Airstream.
I had 270 feet of fence downed by Katrina, Allstate sent out 3 adjusters and before it ended I was paid for my fence. In the case of Allstate replacement value is just that you will get what it cost to replace the insured property, if you elect not to replace it you will get the depreciated value. They did have the connected to the house clause, but did not say anything about what was still standing. I had it removed and stacked and temporary fence in place before the adjustes showed up, I had to mitigate damages. I collected for the cost of the temporary fence also.

I agree Jackson Center is the expert and they should be the final authority.

Jim

Jim
__________________

__________________
Jim N5TJZ Air# 174
2012 International Serenity 28
2005 Safari 25 SS Traded
1968 Globetrotter Sold
2011 F150 Ecoboost
Jim Clark is offline   Reply With Quote
Old 01-02-2007, 10:37 AM   #59
Rivet Master
Airstream Dealer
 
Inland RV Center, In's Avatar
 
Corona , California
Join Date: Feb 2002
Posts: 16,501
Images: 1
Quote:
Originally Posted by Tinsel Loaf
Bummer of a loss..........Brings a tear to my eye. But then...Get even. Demand that Farmers insurance truck your Airstream to Ohio and have the factory repair it to brand new spects. Toscanos cannot repair your trailer to new spects. They are sales, service is another division and they cannot repair your trailer to like new condition. State farm may give you your full value if their smart (we can rule smart out). Also stop paying your monthly payments until the trailer is in Ohio Center and the work has begun.
There are a few dealers that "can" rebuild any Airstream trailer ever made.

We are one of them.

An insurance company can select such a dealer that has a proven track record over the factory.

Andy
__________________
Inland RV Center, In is offline   Reply With Quote
Old 01-02-2007, 01:57 PM   #60
Tom, the Uber Disney Fan
 
Minnie's Mate's Avatar
 
2006 30' Safari
Orlando , Florida
Join Date: Aug 2004
Posts: 4,693
Images: 7
I am really glad you and your girlfriend were not physically hurt. I know that emotionally you were and this has been a nightmare.

Have you made a counter offer as your insurance company invited? Their first offer may have been to test the waters, so to say, and their way of opening the door to see what your expectations really are. In other words, it was to put the ball in your court.

Until you have made a counter offer and it has been rejected, all of the advise you have received is for naught. Make a serious offer that will include what the trailer was worth before the accident and see if they will accept it. If they do, congradulations. If they reject it, ask them for a counter to your counter offer. You can continue this process as long as it is productive or until you reach an acceptable settlement. When it becomes unproductive, you can then begin to implement the suggestions that have been made here. In the interim you can, of course, become prepared to use the suggestions because more than likely, you will have to. But without a counter offer, you will not be in a position to "negotiate" with them nor will you have the legal leg you will need if you do end up in court. Good luck.
__________________
2006 30' Safari - "Changes in Latitudes"
2008 F-250 Lariat Power Stroke Diesel Crew Cab SWB
Family of Disney Fanatics
WBCCI# 4821
http://streaminacrossamerica.com/
Minnie's Mate is offline   Reply With Quote
Old 01-02-2007, 02:07 PM   #61
Rivet Master
 
Jim Clark's Avatar
 
2012 28' International
Currently Looking...
New Orleans , Louisiana
Join Date: Apr 2002
Posts: 2,075
Images: 6
Quote:
Originally Posted by Inland RV Center, In
There are a few dealers that "can" rebuild any Airstream trailer ever made.

We are one of them.

We not only rebuild, remodel, refurbish and remanufacture them, we also can and do making them longer, shorter, wider, taller, change floor plans and add additional axles.

An insurance company can select such a dealer that has a proven track record over the factory.

Andy
That is the answer, let Andy deal with the insurance company, he is an expert and has the insurance background like no other.

Jim
__________________
Jim N5TJZ Air# 174
2012 International Serenity 28
2005 Safari 25 SS Traded
1968 Globetrotter Sold
2011 F150 Ecoboost
Jim Clark is offline   Reply With Quote
Old 01-02-2007, 02:53 PM   #62
Rivet Master
 
Condoluminum's Avatar
 
1988 25' Excella
Sunnyvale , California
Join Date: Jul 2003
Posts: 1,857
Images: 13
Send a message via AIM to Condoluminum
Appraisal in Northern Calif?

David-

You specifically asked a few posts back about other appraisers in northern Calif... I suspect sales mgr at Toscano might qualify, but if you need more you might try-

1. Andy R at Inland RV... He was an inusrance adjuster, and does repair and rebuild and sell used Airstreams
2. C&G Trailer Service in Bellflower (also Southern Calif..). They are long term factory-authrozed repair only Airstream center.
3. East Bay RV just south of Benicia Bridge off I-680 north of Concord... They are relatively new Airstream Dealer, but may also have competent appraiser avaiable.
4. Manteca Trailer Sales in Manteca is also an Airstream Dealer, with large shop, and (I believe) a satellite operation in Sacramento...

Good luck!

>> and as to my earlier post about talking with an attorney, the real value is in pre-litigation discussions, correspondence and negotiations.. I agree that actually walking into courtroom and engaging in a trial may mean that 1/3 of the money at issue will go to the legal representatives...
__________________
Condoluminum

In Theory, there's no difference between Theory and Practice, but in Practice, there is usually a difference...
Condoluminum is offline   Reply With Quote
Old 01-02-2007, 05:17 PM   #63
1 Rivet Member
 
1971 27' Overlander
Baton Rouge , Louisiana
Join Date: Nov 2006
Posts: 5
Like Kind And Quality

David,
As an ex-claims adjuster, I can tell you that State Farm is probably pulling their numbers from some reference source. You should be able to ask to see their sources. If they are sure their value is correct there should be nothing to hide.

Secondly, You need to locate one or two comparable trailers for sale. Keep in mind that yours was not new so compare "Like Kind and Quality". If you can find one exactly like the one you had, you should be able to present the LKQ trailer to the insurer for consideration

Finally, Don't fret too much about the loan. Whether the accident happened or not you would have still owed x dollars even if the trailer wasn't worth x. For goodness sake don't stop making payments this will only hurt you. I would ask the leinholder if they can roll the deficit amount into a new loan.

Sorry about your loss.
Dave
__________________
robertsonmd is offline   Reply With Quote
Old 01-02-2007, 05:19 PM   #64
Aluminut
 
Silvertwinkie's Avatar
 
2004 25' Safari
. , Illinois
Join Date: Feb 2003
Posts: 10,331
Quote:
Originally Posted by robertsonmd
David,
As an ex-claims adjuster, I can tell you that State Farm is probably pulling their numbers from some reference source. You should be able to ask to see their sources. If they are sure their value is correct there should be nothing to hide.
Right on Dave!
__________________
Computers manufactured by companies such as IBM, Compaq and millions of others are by far the most popular with about 70 million machines in use worldwide. Macintosh fans note that cockroaches are far more numerous than humans and that numbers alone do not denote a higher life form. -NY Times 11/91
Silvertwinkie is offline   Reply With Quote
Old 01-05-2007, 06:23 PM   #65
1 Rivet Member
 
Join Date: Jan 2005
Posts: 8
I am curious to know the type and size of the tow vehicle and the type of hitch used on the Airstream. Also the advice to file a complaint with the Insurance Regulatory Body in your state I believe will get the results you are looking for. Getting a Lawyer should be the last resort as this is another cost that you will bear. Stay on the Insurance company and see what happens Fischman
__________________
fischman is offline   Reply With Quote
Old 01-05-2007, 06:34 PM   #66
Rivet Master
 
Condoluminum's Avatar
 
1988 25' Excella
Sunnyvale , California
Join Date: Jul 2003
Posts: 1,857
Images: 13
Send a message via AIM to Condoluminum
Calif Insurance Commission NOT activist...

Just to respond to those who'd like to see Insurance Commission involved, maybe it's the 30 million people here in the Golden State, but the Insurance Commission barely manages to send out complaint forms, which are scanned and filed upon receipt. They do not get actively involved in resolving individual consumer cases.. You might get their attention with a Class Action involving 100,000 people getting mistreated at once, but you shouldn't expect much for a single problem...

Your mileage and your state insurance commission may be different...
__________________
Condoluminum

In Theory, there's no difference between Theory and Practice, but in Practice, there is usually a difference...
Condoluminum is offline   Reply With Quote
Old 01-05-2007, 09:13 PM   #67
Moderator
 
HiHoAgRV's Avatar

 
1991 34' Excella
1963 26' Overlander
Central , Mississippi
Join Date: Nov 2006
Posts: 5,083
Images: 29
Blog Entries: 49
Adjusters

Our SOB MH was whacked by a 24" dia oak during Katrina and the adjuster was kind enough to research and locate a "similar" unit that sold in our area for less that 40% of NADA, and thus the first insulting offer. He was also kind enough to point out that their own research determined "market value" and NADA as well as Kelly Blue book did not apply. I asked for my local dealer to offer his input if needed, located 3 similar for-sale units nation wide and suddenly the value jumped to a fair price. Don't take it personal and continue professional discussions. It's their job to minimalize payouts.
__________________
HiHoAgRV is offline   Reply With Quote
Old 01-08-2007, 01:01 AM   #68
Rivet Master
 
1992 34' Limited
Falls Church , Virginia
Join Date: Mar 2005
Posts: 945
Apples and Oranges?!

This might not apply....

Then the wife had a numnut pull out in front of her in her Honda ( I said it might 'directly' apply) the 1st offer was laughable....

I got 3 estimates in a day (drivable car) and had them to the insurance within 24 hours. They still insisted on a local adjuster (we spoke on the phone - he agreed on my #'s but "had to see the vehicle" to concur) so out he came.

Check in the amount I came up with was in the way within 2 weeks!

I figure that the difference was my little bit in keeping the system in balance. I think that if things aren't going your way, HELP THEM SEE YOUR LOGIC. Not a lot of work, but a HUGE difference in the pay-out. Did the repairs myself and pocketed the BIG difference. Car fixed in a day - not 2 weeks like the autobody places said - and the INS saved the car rental. All works out...

Like I said, sorry for the A/O example, but then I figure that my helping them, helped me...

Axel
__________________
SilverToy is offline   Reply With Quote
Old 01-08-2007, 09:07 AM   #69
Tom, the Uber Disney Fan
 
Minnie's Mate's Avatar
 
2006 30' Safari
Orlando , Florida
Join Date: Aug 2004
Posts: 4,693
Images: 7
I still say your fist order of business should be to make a counter offer. They offered to let you do it...in fact they invited you to make one. I think that was their way of saying, "We know our offer isn't realistic, but we aren't going to give you any more than we have to so we're throwing out a low ball number to see if you take it, if not, you make us an offer and see if we take it." That is the beginning of negotiations. There is no reason to get hostile yet by bringing in lawyers and insurance commissioners yet. First thing they'll ask you is if you made a counter offer. If you didn't, they will advise you to before they will do anything.

If the insurance plays hardball at the point of the counter offer, then is when you take it to the next level. But remember, you will need insurance after this experience is over. You may not want State Farm again, but you don't want to find that you've been black-balled in the industry and have to pay out the wazu to get it somewhere else.

Let us know how the counter offer goes.
__________________
2006 30' Safari - "Changes in Latitudes"
2008 F-250 Lariat Power Stroke Diesel Crew Cab SWB
Family of Disney Fanatics
WBCCI# 4821
http://streaminacrossamerica.com/
Minnie's Mate is offline   Reply With Quote
Old 01-09-2007, 05:30 PM   #70
2 Rivet Member
 
1996 34' Excella
Sanford , Florida
Join Date: Mar 2003
Posts: 31
Images: 2
Send a message via AIM to Folkie53 Send a message via Yahoo to Folkie53
I have watched this thread for sometime and have been some what reluctant to share my experience with my insurance company. On Christmas day of 2006 we were traveling through Georgia and a big trucks tire exploded in front of me. I could not get over because of traffic and long story short ended up hitting the flying debris from the wheel. The damage to the coach was substantial. I call my insurance company from the site of the accident. I have Progressive on the trailer, and to my surprise someone answered the phone. 5 minutes later I had described the problem and was informed that I was covered, not to worry and that the adjuster would be calling me within the next two hours. He did in fact call well within the time and asked where did I want to take it to have it fixed. I told him I thought I could make it to Ocala Fl and Walts RV (the best kept secret among the silvertwinkie crowd) for repair. He said the adjuster would meet Walt the next day in Ocala and work to have the coach back on the road as soon as possible. He had already contacted the trucking company and they admitted responsibility and their insurance will be taking care of my deductible. I have State Farm for my house and because I live in Florida I cannot easily switch to someone else but if I could.... well I would go with some one who doesn't threaten to cancel every time I have a claim. This is just my two cents for what it is worth.
__________________

__________________
Folkie53 is offline   Reply With Quote
Reply


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
Vintage Trailer Insurance Stougard Insurance & Claims 62 03-28-2016 02:54 PM
Insurance for 1984 31ft Excella dscluchfc Insurance & Claims 10 01-03-2005 11:55 AM
Does any insurance pay for towing a tt? Kistler Our Community 9 11-28-2002 09:11 PM
Towing Regulations by State InsideOut Towing, Tow Vehicles & Hitches 2 09-16-2002 08:35 AM
Insurance Question Edie Insurance & Claims 5 04-07-2002 04:10 PM


Virginia Campgrounds

Reviews provided by



Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 10:28 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.