RV Water Harm is a scary thought, particularly if you’re full time in your RV like we’re. After watching the information about Hurricane’s crippling Florida it received us occupied with Water Harm.
Hurricane Sandy took our residence in New Jersey again in 2012. We additionally had family and friends in Florida that suffered extreme water harm from Hurricane Ian. We all know first hand the destruction a Hurricane can produce.
However not all water harm is from Hurricane’s. Typically it’s a damaged Scorching Water Heater, or a burst pipe. What a few leaky roof? Fittings come unfastened on a regular basis while you’re driving down the highway.
Or perhaps a human error like connecting your contemporary water line to the black tank flush! So we referred to as our insurance coverage agent and requested loads of questions. Questions that we most likely ought to have requested earlier than we began this journey. Now we’d wish to share that info with you.
Complete Protection
Underneath your insurance coverage coverage is a subheading referred to as Complete. The excellent portion of your coverage is what covers the price of repairs and substitute for harm from a non-collision incident. So, that is the place protection comes from for hurricane’s. As a result of it isn’t a collision, however is an incident, your insurance coverage firm ought to cowl it. It will embody any water harm attributable to stated hurricane.
Different examples of issues coated underneath this portion of your coverage are theft, or vandalism. However we’re specializing in water harm. If there may be an non-collision incident that has brought about your water harm, will probably be coated underneath the excellent portion of your coverage. If a deer decides to have a combat together with your camper and stabs his antler into your scorching water heater, it might coated right here.
Collision Protection
In contrast to the Complete protection, that is particular to collision incidents. Clearly, accidents occur. Sadly, we see them on the highway all too typically. Having collision protection is required in case your RV is financed. However it’s additionally the place the cash will come from for any repairs that wanted from an accident. On the similar time, there are some collision incidents that may cowl water harm in your RV.
If you happen to broken a slide whenever you accidently hit a tree backing into your web site, water might doubtlessly begin coming in by the seals. As a result of this incident occurred when you have been driving and a collision occurred, this must be coated by your collision coverage.
RV Water Harm From Different Points
Alright, so we’ve coated complete and collision water harm. However what about when the water harm is from a burst pipe? How about in case your roof begins leaking? Our insurance coverage consultant instructed us NO. These will not be issues which might be coated. We now have a Full Time RV Coverage with Progressive Insurance coverage. Once you personal a house, you should buy Flood Insurance coverage to cowl this stuff. However after we requested if we might buy Flood Insurance coverage for our RV, we have been additionally instructed No. Although it’s our residence.
Right here’s the factor… Buying flood insurance coverage for a house is simpler. The insurance coverage firm brings up the FEMA map for flood danger in your space and quotes you a value. Nonetheless, your RV is cellular. As a result of the insurance coverage firm can’t decide the chance issue they received’t write you a coverage. You may actually convey your RV anyplace. Although a burst pipe could be coated underneath a Flood Insurance coverage coverage, it covers extra than simply burst pipes.
What Can You Do?
To our data, there may be nothing you’re going to have the ability to do to have a lot of these water harm coated by your insurance coverage service. In case your RV remains to be underneath any form of guarantee, and the harm is because of a defect, it could be coated there. Sadly, our human error conditions, like connecting your contemporary water to the fallacious place, isn’t coated. Nonetheless, you need to take a look at my article on Guarantee vs Insurance coverage as a result of even your guarantee protection might deny it.
The underside line is you might want to do every little thing doable within the preventative upkeep division. It is best to have a heated hose or warmth tape linked to your spigot. Or disconnect your hose on chilly nights. Flush your scorching water heater repeatedly. Clear your fridge periodically to forestall ice construct up. Examine and keep your roof religiously. All of this stuff are necessary. Particularly in case your rig is just a little older. Water harm is a bitch. Doing danger mitigation will prevent cash for these non-covered emergencies.
Write to us and please tell us if in case you have had any expertise with these points being coated by your insurance coverage service.
