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Old 04-25-2017, 09:53 AM   #1
hikers44
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Hail Damage Question

We have a 2 month old Keystone Cougar 5th Wheel. Saturday, we had several inches of quarter to golfball size hail that lasted long enough to pile a foot deep against doors, etc. and is still there in places today.

It broke the bathroom vent cover and bent the vent, as well as allowing rain in through the vent into the bathroom. The bathroom floor was wet and it ran under the wall and into the bedroom, wetting the carpet for about 2 feet into the bedroom. It does not seem to have run through the floor underneath, as we got it mopped up within an hour or two and have run fans on it since to dry it out. Sunday, my husband swept piles of hail and leaves off the roof and checked it over, and it does not appear that there is any more damage, but we're not sure.

We also have an 08 Wildcat that we have had for sale, and it is mostly destroyed, but was more out in the open. The difference in damage is incredible.

We are concerned that even though there is no visible roof damage, it may have damaged the roof framing, etc., with the force that it appears to have been coming down (we were gone at the time). Has anyone had experience with hail damage that can assist with what to look for and ask?

The insurance company wants an adjuster to come to our home and inspect it, in place of our taking it to a repair shop for an estimate, but we aren't sure if that is the best route.

Any advice is greatly appreciated!

Thanks!
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Old 04-25-2017, 10:29 AM   #2
sourdough
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On my last trailer repair with insurance I took it to the dealer and the insurance agent (Geico) went there to see it and they went over it together. Got an exceptional estimate for repairs. In other instances the adjuster came to the house to do his assessment then I went to repair shops to get estimates/repairs. I will say that in the past (not on a TT) I have had the insurance adjustor make a poor estimate and the shop, and I, had to work with them to readjust the estimate.

My thought is that you really want someone familiar with RVs doing the estimate - I would question a regular insurance adjuster's expertise on an RV. If you could do as I did and have the adjuster work with the RV shop it might work out better. They may not do it....just a thought.
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Old 04-25-2017, 11:21 AM   #3
14george
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Had hail damage to mine insurance found damage I did not see
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Old 04-26-2017, 02:59 AM   #4
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I have to agree with Sourdough. If you can get the dealer and adjustor together it should be a better experience and more thorough. Sorry for your troubles and glad you were able to minimize the effects.

Welcome to the forum from Kansas City, MO also.

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Old 04-26-2017, 06:20 AM   #5
dcg9381
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I had a claim on a Holiday Rambler years ago - all the vents, a few other things I didn't see. No interior water damage. They did replace the awnings, due to impact points on them (no actual holes) - so watch that too.
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Old 04-26-2017, 07:29 AM   #6
flybouy
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Great advice, it's more effective and efficient to have the shop and the adjuster on the same page.
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Old 04-26-2017, 06:58 PM   #7
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Adjuster will want to low ball since he/she represents the insurance company. Having the repair person looking too and taking his own notes would keep things more honest. Plus two pairs of eyes never hurt.

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Old 04-26-2017, 07:16 PM   #8
theeyres
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If you have a good insurance company the adjuster will inspect it, recommend some shops and you take it there and they will work together. That is what happened when I had $10,000 in damage. There was never an argument or question because the shop did what they had to do and the insurance company paid it. You can't just expect the insurance adjuster to accept anything the shop says because the shop will want to charge high, the adjuster pay low. Let them work together to get it fixed. You won't make money on the deal but you should be made whole. Too many people want to make a bonanza on the deal...and the insurance adjusters job is to make sure that doesn't happen.
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Old 04-26-2017, 09:26 PM   #9
sourdough
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Quote:
Originally Posted by theeyres View Post
If you have a good insurance company the adjuster will inspect it, recommend some shops and you take it there and they will work together. That is what happened when I had $10,000 in damage. There was never an argument or question because the shop did what they had to do and the insurance company paid it. You can't just expect the insurance adjuster to accept anything the shop says because the shop will want to charge high, the adjuster pay low. Let them work together to get it fixed. You won't make money on the deal but you should be made whole. Too many people want to make a bonanza on the deal...and the insurance adjusters job is to make sure that doesn't happen.

I think the ultimate goal for the insured and the insurer is to meet at a point that meets both their goals. I've not had an insurance company "knowingly" try to screw me. I have had them send dips for adjusters that I had to walk through the basics of basically everything.

A "company" adjuster...you need to be aware of. They are "company" folks and their job is to pad the company line. Any more I've found that they are sending contracted adjusters....which so far have been fair as far as I've experienced. YOU have to know what's going on and be the one that pushes the direction of what happens.
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Old 04-27-2017, 04:31 AM   #10
bsmith0404
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It doesn't matter how it's done if you get repairs done at a shop. The insurance will give an estimate based on what they can see. The repair shop will file a supplemental claim if more damage is found and the insurance will approve it and pay them. If you do repairs yourself, you will not be able to file a supplemental claim so making sure they find everything initially is important.

As for damage to the framing under the roof membrane, it's probably not that likely if the membrane itself isn't damaged. The sheathing under the membrane will actually absorb a lot of hits, almost like a sponge.
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