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Old 08-14-2008, 04:26 PM   #1
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Need Appraiser to get Stated Value Coverage

The $$$ for the "tweaks" to my unit has added up and is still climbing. I need to change my insurance coverage to a stated value policy instead of the replacement of unit coverage that only covers the unit in its oem condition. Can anyone recommend an outstanding appraiser for this purpose. The closer to NW Arkansas the better but I will drive to obtain the appraisal. Thanks a bunch in advance,shaker
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Old 08-14-2008, 04:29 PM   #2
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Hi,

How about Airstream of Arkansas? We could also all get together.
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Old 08-14-2008, 04:38 PM   #3
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Leave it to me to miss the obvious! I will have to contact Gene and see if they provide that service. I could also have Bill do a couple of other tweaks before the appraisal. He does great work. Then we could meet up in the area somewhere. Sounds like a plan! 'shaker
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Old 08-15-2008, 03:38 PM   #4
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Can someone who has obtained a stated value policy let me know how to find a knowledgeable and experienced appraiser? Thanks, 'shaker
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Old 08-15-2008, 05:42 PM   #5
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can't help with an appraiser shaker, if aoa can't do it...

who is your insurance with anyway? my trailer is with progressive, while the truck is aig.

but here are some other ideas on the extra insurance issue.

i've seen your rig and am aware of at least some of the improvements, which are very nice.

in many ways these units become 'customized' for the owners tastes and needs.

are those changes/improvements worthy of insurance?

some are and some aren't.

for example changing wall colors or wall treatments or curtains or textiles probably aren't.

adding solar or a fancy a/v system or a vibrating multi postion bed might be....

but i wouldn't give up the 'replacement with a new unit' insurance rider that we can enjoy for 3-5 years.

instead i'd add a "contents" upgrade or 'personal effects' add on to the current coverage.

your policy has some coverage here (depending on details) for example 10,000$ for personal belongings...

i think u can make a detailed list of ITEMS you'd like to insure...

and depending on the items (and receipts for cost) listed, ADD coverage for them.

the haha, a solar pack add on or audio/video or computer or satellite can be covered depending on insurance company...

new wheels, window tint, leather upgrades, a graphics package, or an electric salad shooter...

might not qualify for added insurance coverage.

for example going to an UPRATED axle may not be covered for extra, even though it is a benefit to you.

and axles are necessary just to maintain the original/current value.

typically "agreed value" coverage is gonna b limited to old units that are somehow special or truly custom/designer new stuff...

like a chip foose or 'american chopper' stream.

lastly i'd start a video/photo archive of EVERY little item that's been tweaked or improved or added.

pictures and receipts for all the extras help a lot, if an insurance loss has to be filed.

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Old 08-15-2008, 06:57 PM   #6
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2air,

Thanks for the input. I must ask the questions wrong or not have the right keystroke when I post a question because it seems I don't get much feedback. Oh well, we can't all be irresistable.

I don't think replacement will cover my additions. I have Progressive on my TV. I think I will give them a call and check into my options.

I would like to at least cover some of my tweaks to get the cost back. (i.e.-solar system) Of course I would much rather prefer that nothing happens and I end up with a vintage unit down the road.

Happy trails, 'shaker
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Old 08-15-2008, 08:50 PM   #7
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Hi Shaker,

I have Progressive on my Excella. They were willing to do a stated value, but I faced the same problem compounded by the lack of an adequate TV. One thing at a time.

That second AC should add a lot of value, too. I am jealous.
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Old 08-15-2008, 09:06 PM   #8
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you might ask if receipts for the parts alone or paid receipts for labor, will qualify to boost the current value. making a detailed contents list, to not get shortchanged in the event of a loss, is also a plus.

in any event, a copy of the records in a remote location is advised.
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Old 08-15-2008, 10:04 PM   #9
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Quote:
Originally Posted by fr8tshaker View Post
The $$$ for the "tweaks" to my unit has added up and is still climbing. I need to change my insurance coverage to a stated value policy instead of the replacement of unit coverage that only covers the unit in its oem condition. Can anyone recommend an outstanding appraiser for this purpose. The closer to NW Arkansas the better but I will drive to obtain the appraisal. Thanks a bunch in advance,shaker
There is indeed an excellent Airstream appraiser amongst us. He's one of the few who's appraisals stand up in any court, and for the IRS as well.
They appraised my 1963 Overlander for stated value.
pm me for the information.
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Old 08-16-2008, 03:33 PM   #10
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Vaughn,

Your unit certainly isn't shabby. I am anxiously awaiting the cork floor pics.
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Richinny,

I have kept my receipts. As I said earlier, leave it to me to miss the obvious. The receipts are in the AS. Will move them asap.
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I think I might start looking for a new ins. broker. I am still pretty low on the learning curve when it comes to all this RV insurance stuff. My current broker doesn't seem overly ambitious when it comes to looking into the out of the norm coverage.

My ins. experience is with the traditional home/fire/auto etc. Think I am going to do a search and seek out a broker that has done well for other AS owners.

Really appreciate everyones help. 'shaker
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Old 08-16-2008, 05:58 PM   #11
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hi shaker...

policy and broker really are 2 connected by distinct issues...

progressive has very good coverage options for rv folks...

-the full replacement rider on new units...

-the disappearing deductible as no claims are filed...

-the agree value riders for older units...

-they even have coverage for the rv while traveling in canada AND mexico (driver liability coverage not included)

-and roadside/towing for the tv even if it is NOT insured by them, as long as it's towing the insured trailer....

-they also have a very good 'contents' coverage with the policy that can be expanded, which is one way to get the extra goodies insured.

-not many insurance companies get the rv issues as much different than car coverage or house coverage, since it's a mix of both.

brokers sell very few of these rv unique policies compared to everyday auto/house/umbrella coverage....

usually i do all the details-stuff myself, using the progressive website and with a WRITTEN copy of the policy in hand...

then visit the agent and explain what i want done, like ordering al carte or off the menu...

often the agent says..."i don't know if they will do that"

only to later say... "hey that's a neat policy, it's got all sorts of features i didn't know about"

progressive can also suggest another agent/broker in your local.

in some states u are required to use a broker/agent while it others EVERYTHING can be done via their website.
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when it comes to filing a claim, receipts matter alot, but so do visuals like pix.

i had a very large theft lost 10 years ago with lots of expensive collectibles stolen.

the photo records that included visual proof of serial numbers and "CONDITION" of each item..

made reimbursement much easier, quicker and at higher $ amounts.

cheers
2air'
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Old 08-21-2008, 04:34 PM   #12
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State Farm did stated value also. Ask you local bank if they have appraisors names or numbers
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