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Old 01-31-2024, 03:10 PM   #1
1 Rivet Member
 
1980 31' Excella II
Brunswick , Maine
Join Date: Apr 2016
Posts: 14
Question Trailer Overhaul - Insurance re: cooking facility/ RVIA standards

Hello all,

We've done some major overhauling to our 1980 Airstream Excella II. Pics in our profile. And need to get upgraded insurance to reflect this.

Question for forum: Does anyone have a current version of the RVIA standards that define a "permanently (attached) cooking facility"? OR Anyone done a major kitchen update (e.g., removing gas stove for induction) and have successfully had their insurance updated?

Background

We're USAA members and have had a Progressive policy on the Airstream while it was under the long, slow renovation process.

Progressive told us in 2020 to contact them when finally done to get the value re-assessed. Contacted them last summer & sent in the required pics. No response for 2+ months.


Finally learned in Sept '23: we were denied because we didn't have a "permanent cooking facility." (For various reasons, we opted for a portable induction burner -- on advice of a professional Airstream renovator. We do have a huge sink with beautiful faucet and 8 cu ft DC-powered fridge.)


Agent at Progressive had hinted a microwave might work and their photo instructions specifically say if you have a microwave to show how it's attached. A second call to Progressive last week and we got stonewalled, "We can't describe a permanently attached cooking facility."

USAA has told us to be in touch with Foremost. Foremost says:
1) No a microwave does not count as permanently attached cooking facility (it's considered personal property). Permanent for them is like a dishwasher or oven -- won't likely fall out if tipped upside down.

2) If we go with Foremost, we have to cut a hole in our beautiful counter. So, what's the minimum - one burner or 2 burner? Called to ask and the Foremost underwriter that agent Zack spoke to said "There are no guidelines on 1 versus 2 burner cooktops. Follow the RVIA standards. And stick with the original specs ideally. And follow the (RVIA) standards."


Hence the question for the forum: anyone have a copy of the RVIA Standards or been in the same boat (trying to think creatively about use of space by using a portable induction burner, only to be told that doesn't meet reqs for insurance in a travel trailer)?


Thanks!!! Jeremy & Becca
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Old 01-31-2024, 04:54 PM   #2
4 Rivet Member
 
1976 Argosy 24
1961 28' Ambassador
1968 26' Overlander
Lakewood , Colorado
Join Date: Jun 2014
Posts: 408
Hello, I was in a similar but not exactly the same situation after I wrapped the reno on our '68 Overlander. I had contacted our long time agent (Farmer's) who said they wanted pics of the finished trailer, nothing under construction, all items in place and operational. I think there was something about the kitchen? Didn't seem to care that there wasn't a bathroom in the usual sense. The pushback came about not having an emergency exit, in the pics all the windows were closed. I sent back a pic of the big rear window wide open and they said OK. Maybe some creative photoshoping is the key? Seems to sound like a situation where a solid answer could be elusive, hope it can work out.
Good luck, Mark D
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Old 02-01-2024, 04:05 AM   #3
1 Rivet Member
 
1980 31' Excella II
Brunswick , Maine
Join Date: Apr 2016
Posts: 14
Thanks Mark! We appreciate it.



Heard back from one of the renovators we used to re-do the electrical and re-install walls/ basic framing from whom we got the idea. He said "frankly never heard of that (cooking facility) rule. We've had several clients opt to not have a permanent oven or cook top and they never had an issue insuring them. In fact we have a completed unit leaving for California next week with no cook top or oven..."
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