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Old 09-27-2016, 06:30 PM   #21
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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.......

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Old 09-27-2016, 06:32 PM   #22
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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.


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Old 09-27-2016, 09:12 PM   #23
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I think it lawyer time for you. You'd be surprised what one letter from your lawyer will do for you.
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Old 09-28-2016, 10:41 AM   #24
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We purchased our insurance through Echelon and since we purchased our fiver new, the policy guarantees replacement cost for up to 10 years.

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