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 Posted: Sun Mar 09, 2008 7:35 pm Post subject: Help Tree has Fallen on Camping Trailer |
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I just had a tree fall on my RV Trailer which was parked in the yard.
Should I be filing with homeowners or my auto insurance company? Which is better? Is the a way to avoid the $500 deductible?
Anybody have this happen to them?
I cannot move the camper because the tree is still on it and moving it will cause further damage.
and we no longer have a tow vehicle to tow it.
Please help...
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ClayCassell
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| Posted: Mon Mar 10, 2008 2:43 am Post subject: |
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| If the RV trailer is listed on your auto policy, it's covered under that, If it's not, you cantry your HO policy but there is a good chance it might not be covered. |
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tcope
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| Posted: Mon Mar 10, 2008 6:24 am Post subject: |
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Yes, if it is covered by your auto insurance then I feel your benefits would be worthy of it, rather than the HO (even when it covers your premises & all the items or damages inside premises, it is just gonnabe a proportionate benefit).
So, don't hesitate to go ahead & seek the help of your insurer) Tabloidzone
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Tabloidzone
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| Posted: Mon Mar 10, 2008 6:27 am Post subject: No denying now! |
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..I'd agree with tcope that both benefits won't work simultaneously!
| Quote: | | Is the a way to avoid the $500 deductible? |
Deductibles are the amount you generally declare to pay out of your own while you sign up for a policy..so no denying it would help you..I guess!
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Norma_hepburn
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| Posted: Mon Mar 10, 2008 8:49 am Post subject: |
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If the trailer is listed in your HO policy, then you can turn the claim to the carrier, but for that too you need to get an estimation of the damage. Get the tree removed and the trailer towed to a body shop.
However, unfortunately, you can't avoid paying the deductibles. We often commit to high deductibles at the time of purchasing the policy, without sparing much thought whether we'll be able to pay it at the time of need or not. Your case is yet another example of that common mistake. 
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Amazon-hunter
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| Posted: Mon Mar 10, 2008 12:33 pm Post subject: |
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| Quote: | | Is the a way to avoid the $500 deductible? |
no, not unless the tree belonged to someone else and they are deemed negligent...(they are not automatically neglegent because they own the tree either). It would be filed (assuming it's your tree) under the policy on the camper, your auto policy will most likley not cover it, (unless it's attached to the auto and even then generally only liablity coverages apply)..you may have included it on your h.o. policy, but if you do not have this camper insured on it's own somehow (either it's own policy or endorsed) you likely do not have any coverage on it at all...re: your deductible again, people we all chose our deductibles when we purchase the policys...why then are we surprised when they apply? .... | Quote: | | I cannot move the camper because the tree is still on it and moving it will cause further damage. and we no longer have a tow vehicle to tow it. |
you should leave it there anyway until you talk with the adjuster they may want to see it first, or minimally take some pictures of the tree on the camper..
Couple of questions....who owns the tree? why did it fall? do you own or rent your home?
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Lori
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| Posted: Tue Mar 11, 2008 4:56 am Post subject: |
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| I am afraid to say, but if the poster is here asking if his auto or homeowner policy covers this loss, then they most likely don't have separate coverage on the trailer. We can only hope this was his neighbor's tree and that weeks before the poster sent a certified letter to his neighbor placing him on notice of his rotten tree that was in danger of falling onto his property. |
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Dasfuk
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| Posted: Tue Mar 11, 2008 5:58 am Post subject: |
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There may be coverage for the tree under the home policy but it would be minimal. As for the camper, they are generally insurable under your auto policy. You can purchase physical damage coverage on your trailer through your auto policy.
In Texas, liability is automatically extended to your trailer while being pulled, but it has to be added to your auto policy to have any physical damage coverage. I'm not sure if this is the case in all states. |
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MBTexas
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| Posted: Tue Mar 11, 2008 11:08 am Post subject: |
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| Quote: | | I am afraid to say, but if the poster is here asking if his auto or homeowner policy covers this loss, then they most likely don't have separate coverage on the trailer. |
 me too....
| Quote: | | We can only hope this was his neighbor's tree and that weeks before the poster sent a certified letter to his neighbor placing him on notice of his rotten tree that was in danger of falling onto his property. |
 yeah, if only... | Quote: | | In Texas, liability is automatically extended to your trailer while being pulled, but it has to be added to your auto policy to have any physical damage coverage. I'm not sure if this is the case in all states. |
Same in my part of the world (MO) however it isn't ''added'' to the auto policy but must have it's own policy...for physical damage...
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Lori
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