RV Water Harm is a scary thought, particularly in case you are full time in your RV like we’re. After watching the information about Hurricane’s crippling Florida it obtained us excited about Water Harm.
Hurricane Sandy took our dwelling 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. Generally it’s a damaged Sizzling Water Heater, or a burst pipe. What a couple of 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 numerous questions. Questions that we most likely ought to have requested earlier than we began this journey. Now we’d prefer 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. This may embrace any water harm brought on by mentioned 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 induced your water harm, it is going to be coated underneath the great portion of your coverage. If a deer decides to have a combat together with your camper and stabs his antler into your sizzling water heater, it could 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 identical time, there are some collision incidents that may cowl water harm in your RV.
For those who broken a slide whenever you accidently hit a tree backing into your web site, water might probably begin coming in via 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 advised us NO. These are usually not issues which might be coated. We’ve got a Full Time RV Coverage with Progressive Insurance coverage. Whenever you personal a house, you should purchase 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 advised No. Regardless that it’s our dwelling.
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 threat in your space and quotes you a worth. Nonetheless, your RV is cellular. As a result of the insurance coverage firm can’t decide the danger issue they gained’t write you a coverage. You might actually convey your RV wherever. Regardless that 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 some of these water harm coated by your insurance coverage provider. In case your RV continues to be underneath any form of guarantee, and the harm is because of a defect, it might be coated there. Sadly, our human error conditions, like connecting your contemporary water to the mistaken place, isn’t coated. Nonetheless, you must take a look at my article on Guarantee vs Insurance coverage as a result of even your guarantee protection could deny it.
The underside line is it’s essential to do all the things attainable within the preventative upkeep division. It’s best to have a heated hose or warmth tape related to your spigot. Or disconnect your hose on chilly nights. Flush your sizzling water heater repeatedly. Clear your fridge periodically to forestall ice construct up. Verify and keep your roof religiously. All of this stuff are essential. Particularly in case your rig is slightly older. Water harm is a bitch. Doing threat mitigation will prevent cash for these non-covered emergencies.
Write to us and please tell us when you have had any expertise with these points being coated by your insurance coverage provider.