Thread Tools Display Modes
Old 09-27-2016, 06:30 PM   #21
Senior Member
Ford Idaho's Avatar
Join Date: Sep 2013
Location: Idaho
Posts: 9,785
Originally Posted by bigguy214 View Post
Hi guys my camper is totaled and the insurance adjuster called me and gave me an offer that is 4500 dollars lower then for me to buy another one. Mine is a 2017 and they are still making them at the factory. So I refused their first offer and they called me back and went up 400 dollars and that is it. So I asked them where they got there price from because I cant even find a used 2017 in Michigan and they said they couldn't either but found some in Kentucky and north Carolina and that is where they got their value from. So I told them probably not on the offer and they said I would have to hire my own estimator and they would hire an estimator and go from there. Should I hire one or take their last offer I don't know what to do any help would be appreciated thanks
I am not sure but I think you may have misspelled lawyer.......

2016 F350 6.7L LB CC Reese 28K 2014 Chaparral Lite 266sab
"Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety." 2014 19 days camping 2015 17 days camping201620 days camping
Ford Idaho is offline   Reply With Quote
Old 09-27-2016, 06:32 PM   #22
Senior Member
rracer5's Avatar
Join Date: Jan 2011
Location: Full Timing It
Posts: 1,795
Originally Posted by tstillman View Post
I'm sorry to hear of your lost RV, and truly hope no one was injured in the event that resulted in it being totaled.

I don't have my policy with me but paraphrasing My Policy defines replacement as: If within 5 model years of it manufacture date and is totaled, will replace with a brand new RV as closely equal in features as the RV. If after the 5 model years then I will be reimbursed the $$ value that I paid for my RV.

I learned the hard way when in 2007 our 2002 Beaver Santiam burnt to the ground. Our policy was similar to the above statement with the caveated statement "Or at our discretion we will pay current market value". That statement relieved the Hartford of replacement costs and left us $50K short of paying off the bank.

Trust me that I now have a different provider and a clearly spelled out definition of replacement value. Also my premiums reflect the added protection.

In all fairness I should note that the issue wasn't really with Hartford, because they do have a true replacement policy available, but rather an agent who promised one thing but then sold something else at a lower price to make the sale.

Good Luck with your negotiations. I would suggest the it is always easier to go in low key and them the chance to do the right thing. You can always negotiate more rigidly if necessary.

X2 It is almost always a higher premium with the insurance companies that offer it.....not all do.

"PT Crew Members Since 9/2010"
2011 RAM 2500 HD 6.7L CTD Crew
2014 Sanibel 3250
rracer5 is offline   Reply With Quote
Old 09-27-2016, 09:12 PM   #23
jammer 16
Join Date: Feb 2013
Location: Joplin, Mo
Posts: 83
I think it lawyer time for you. You'd be surprised what one letter from your lawyer will do for you.
2016 windjammer model 3025
2015 Ram 2500 Longhorn Diesel
Traveled 9200 miles in 2015 camping 68 nights
rlschurman is offline   Reply With Quote
Old 09-28-2016, 10:41 AM   #24
Senior Member
Join Date: May 2012
Posts: 296
We purchased our insurance through Echelon and since we purchased our fiver new, the policy guarantees replacement cost for up to 10 years.

Marcel & Jenne
Kemptville, ON
2014 Rockwood 8282WS
2015 Ford F150 Eco-Boost
BusyRetirees is offline   Reply With Quote

camper, led

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Virginia Campgrounds

Reviews provided by is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 01:24 AM.