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Old 08-09-2016, 03:45 PM   #1
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27HFS was stolen and recovered, now what?

Looking for advice from some fellow camper friends. We have a 27HFS that was stolen, missing for a 3 days (estimate) and then recovered. The jerks pryed the doors open. Stole my generator, took the tvs off the mounts (I guess with the intent to take them). They ruined some components of my WD hitch, ruined one of the stabilizers. Left the roof vents open (during some rain storms). The sheriff's department came through and dusted for prints...and now there's that black dust everywhere.

At first I was leaning towards keeping the camper and just asking Allstate to repair the damage. But the more and more I think about all the unknown issues, the more I really feel like I should push them to replace the camper.

Does anyone have prior experience with this?


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Old 08-09-2016, 03:51 PM   #2
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Does your policy include replacement coverage?

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Old 08-09-2016, 07:34 PM   #3
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So very sorry for your loss. I think about this happening and i'm sure it is a real nightmare when it does happen to you.

I guess if my policy allowed, I would rather total it out and replace than have stuff fixed and then find follow up issues afterward that would not be covered. Like vehicles these days, it doesn't take much for the bill to be over and above what it is worth. Wishing you luck and good fortune on the issue!
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Old 08-09-2016, 07:39 PM   #4
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I think if my policy allowed it I would push for replacement.
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Old 08-10-2016, 12:11 PM   #5
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It happened to me in November 2014. It was found a week later, and I couldn't keep it because the man and his little son were living it. The insurance covered everything except my deductible. I traded it in for this current one. New TT, new chapter.

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Old 08-10-2016, 06:16 PM   #6
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Get rid of it....around here they steel them and take them in the woods and make meth....when we finally find them, they are so bad with fumes from drug making they are not worth it.

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Old 08-10-2016, 07:20 PM   #7
Join Date: Apr 2015
Location: Box Elder, SD (formerly NY)
Posts: 275
You didn't say where this happened. My enclosed car trailer was stolen while I was in Elkhart, IN. The Police Officer taking the report told me that Elkhart is the trailer theft capital of the world. My trailer was not recovered.
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Old 08-10-2016, 11:28 PM   #8
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If you have replacement coverage, I would replace it. Hidden damage can go on for years and that's a real fight with the insurance company. We really enjoyed that TT but it became one thing after another, so we finally sold ours and bought a another.
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Old 08-15-2016, 05:16 PM   #9
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Generally, if the 'book value' of your unit is (nominally) $10k and Allstate figures it will cost $9.9k to fix it, they won't 'total' it.

Just be vigilant, help the adjuster without pestering him/her. They want the case off the books. The adjuster just wants to be able to close the claim with as littl hassle as possible.

You can either help or you can get in the way. I strongly recommend you help.

I think you'll find they're pretty easy to work with. About as easy to work with as you will be. You make their life difficult, they can find something else to do.

I'm not awarer of 'replacement cost' policies on RV's from Allstate. Or anyone else for that matter. That doesn't mean they don't exist, it just means I'm not aware of them.

Just let the Adjuster know you want to help. If he/she is a butthead, talk to the Claims manager or your Agent. Agents out-rank Adjusters. They can't interfere, technically, but they can hold them accountable internally. Adjusters don't want to butt heads with Agents.

Try to help the adjuster, he/she has a difficult job
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Old 08-16-2016, 08:58 AM   #10
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Everything we own is with Allstate. They are attentive to us in the extreme. We jus' had a $12K payout for a damaged roof. No much more than I expected. No, I never worked for Allstate...jus' happens that after a lifetime of being irritated with myriad other companies Allstate treats us the best...maybe because we're all-in with them.

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