Originally Posted by CanoeStream
Andy, Progressive will insure new coaches for replacement value when they are the insurer from the get-go. I'm USAA eligible and shopped there before I renewed last year. Guess what -- Progressive is USAA's actual insurer for RVs. So I transferred to the Progressive "USAA desk" and they recommended I not change from my replacement value insurance. I fully agreed.
Back in August 2005 with Progressive I originally got to declare what my replacement value was. I stated 42K although that was about 4K less than I paid -- just wanting to protect most of the investment. At the end of last summer, were I to switch to USAA (still Progressive) I estimated my market value was closer to 32K (optimistic I'm sure) for an August 2005 produced '06 25' FB SE -- and I'd only have saved $100 a year for $10K less insurance, with the value probably less than that and declining as time advances. I stuck with the original policy. I will still look at this every year or so.
I remember USAA being in cramped office spaces when their office was across the street from Fort Sam Houston, in San Antonio, Texas.
Then they built a huge building on Broadway street, in San Antonio.
Then they built even a larger building north of the 410 Freeway, still in San Antonio, and that was about 30 years ago.
Working with many different Insurance companies, USAA and Progressive are tops. State Farm is tops as well.
Many others, like to play games when they use adjusters that know nothing about Airstreams, but try to (in my opinion) con the insured to accept a check NOW.
Once that check is cashed, it's just about too late to take them to task.
The game is simple. If your Airstream is damaged, have a "GOOD" dealer make the estimate, that can also do the proper repairs.
We recently were asked to review and modified, if necessary, an estimate prepared by a Airstream service center, for repairs to an 2008 trailer.
They were going to rip the inside out to replace a window sheet. Included in the estimate was a bunch of money for sealers to be used in the interior, after the furniture was reinstalled, several hundred dollars for labor and material to clearcoat the new metal (that comes from the factory already coated), and a number of other phoney labor and material charges.
That coach will be "very carefully" inspected by the insurance company after the repairs are completed. The bottom line total was over $10,000.00 plus to replace a window sheet on the door side of a 25 foot Airstream? Needless to say, a much smaller amount, was the final estimate, all well documented.
That is the very kind of thing that causes problems for the person who just wants it fixed, but properly and reasonably.
I am sure, because of that dealer, the insureds premium will sky rocket.
A dealer like that will get wealthy at the insureds expense.
Be careful what dealer you take your coach to, when it has been damaged.
When you chose the dealer, the insurance company assumes that your aware of their business practices.
Excessive estimates can back fire on an insured.