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07-23-2013, 02:48 AM
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#1
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Senior Member
Join Date: Nov 2012
Location: Prince George Va
Posts: 1,300
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Our 1st TT and TV
Storm took both out and 2 other cars to Before and after pictuers.
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2008 F350 chipped and bagged 6.4 power stroke crew cab 4x4.2013 384pk Raptor (Gravy Train) 2006 Fatboy w/18inch ape hangers,2006 883c sporty,Army wife Kim,Cocoa (The Boarder Collie) and Rebel (The English Bulldog) (THE RICH RAGE WAR,BUT ITS THE POOR THAT DIE)
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07-23-2013, 03:59 AM
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#2
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Junior Member
Join Date: Mar 2013
Location: S. Mich
Posts: 13
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Dude that sucks!
Hope everyone is ok?
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07-23-2013, 04:25 AM
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#3
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Senior Member
Join Date: Apr 2013
Location: Oklahoma
Posts: 1,077
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That one tree took out all 3 vehicles & the TT.
__________________
Kristi & Jeff
2014 Cougar 313 rli
2013 F350 king ranch
2014 passport 2650bh (sold)
2009 GMC 2500HD 6.6L 4X4 (sold)
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07-23-2013, 04:49 AM
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#4
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Senior Member
Join Date: Aug 2011
Location: WESTERN,CT
Posts: 2,095
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IS EVERYONE OK? I hope the insurance company enjoys their new toys! good luck and hope you get back to normal soon. Prayers.
__________________
BARNEY AND CHRISTINE
2010 MONTANA 3750FL
2005 DODGE 3500 DUALLY TD
2 RESCUE PUPS: SUSITNA AND CRYSTAL. RIP ALYESKA!
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07-23-2013, 05:02 AM
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#5
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Member
Join Date: Apr 2013
Location: Central NJ
Posts: 92
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Sorry to hear the bad news.. As long as everyone is OK, the TT and TV can be replaced...
__________________
2014 Premier 31 BHPR
2011 Silverado 1500
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07-23-2013, 05:21 AM
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#6
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Senior Member
Join Date: Nov 2012
Location: Prince George Va
Posts: 1,300
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Yes everyone is ok this was back in 2011 when irene came thru.The wife was home from Afganistan for 2 week r and r ,we got evacuatied from Nags Head got home and the hurricane still got us and there was even a earthquake in Va. to..We now have the Raptor and 08 f350,and the 06 F350 dumb me I didnt have insurance on it, everything covered but that,We still have the 06 as a reminder .The wife said she felt safer in Afganistan then at home them 2 weeks The pic w/ blue tarp is how it is 2years after the fact still setting in yard(will cost $12,000 to get fixed what a mess up on my part) Dont worry about date on camera it will not stay set to proper date.
__________________
2008 F350 chipped and bagged 6.4 power stroke crew cab 4x4.2013 384pk Raptor (Gravy Train) 2006 Fatboy w/18inch ape hangers,2006 883c sporty,Army wife Kim,Cocoa (The Boarder Collie) and Rebel (The English Bulldog) (THE RICH RAGE WAR,BUT ITS THE POOR THAT DIE)
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08-17-2013, 05:12 PM
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#7
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Junior Member
Join Date: Jul 2013
Location: oswego, ny
Posts: 5
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I feel your Pain!!!!
__________________
2013 Bullet 246RBS
2008 Dodge Dakota Crew Cab SLT 4.7L V8 with aftermarket 28000 GVWR Transmission Cooler, and Tow Package
Previous Campers:
1982 Jayco J-Series 2450
2004 Fleetwood Caravan Micro-Lite 25FQ
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08-17-2013, 06:22 PM
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#8
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Site Team
Join Date: Mar 2011
Location: Gaylord
Posts: 26,846
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That tree did make a mess of your RV I understand your homeowner's insurance not covering the full cost of the RV, however since the tree fell from your neighbor's yard onto your RV, have you looked into filing a claim against his homeowner's insurance? Once, years ago, we had a huge sycamore tree fall onto your neighbor's fence and knocked off the water faucet from the side of his house. Our policy wouldn't cover any of our loss, but paid for his fence, his faucet, the lawn damage, cleanup of the tree and even paid for the water he lost until a plumber could turn off the utilities... And all they did for me was say, "You haven't met your deductible, so there is no payment."
You might find his insurance company is in a position to pay your losses incurred when their policy holder's tree damaged your property.
__________________
John
2015 F250 6.7l 4x4
2014 Cougar X Lite 27RKS
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08-18-2013, 08:17 AM
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#9
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Senior Member
Join Date: Aug 2012
Location: Essex Junction Vermont
Posts: 342
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Quote:
Originally Posted by crash
Storm took both out and 2 other cars to Before and after pictuers.
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That will give us some encouragement to get the rest of the trees in our yard topped. We have gap coverage on the vehicles but would not want to go the the stress of what you have gone through. Hope everything gets replaced quickly for your sake.
__________________
Marianne
2012 F-350 "Festus"
2011 Montana 357RL "Mabel"
Superlow Sportster
Heritage Softail Springer
2009-2012 VRI
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08-18-2013, 11:34 PM
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#10
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Junior Member
Join Date: Jul 2013
Location: oswego, ny
Posts: 5
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Insurance Companies
Quote:
Originally Posted by JRTJH
That tree did make a mess of your RV I understand your homeowner's insurance not covering the full cost of the RV, however since the tree fell from your neighbor's yard onto your RV, have you looked into filing a claim against his homeowner's insurance? Once, years ago, we had a huge sycamore tree fall onto your neighbor's fence and knocked off the water faucet from the side of his house. Our policy wouldn't cover any of our loss, but paid for his fence, his faucet, the lawn damage, cleanup of the tree and even paid for the water he lost until a plumber could turn off the utilities... And all they did for me was say, "You haven't met your deductible, so there is no payment."
You might find his insurance company is in a position to pay your losses incurred when their policy holder's tree damaged your property.
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Yes I spoke with the adjuster about that and she said that since nothing on the house was damaged there is no case. The Insurance company did cover the removal of the Tree off of my Camper and driveway. But only because the force from the tree slamming into the camper drove the tongue jack about 6 inches into my driveway. Had the tree not damaged my driveway they would not have covered the damage.
__________________
2013 Bullet 246RBS
2008 Dodge Dakota Crew Cab SLT 4.7L V8 with aftermarket 28000 GVWR Transmission Cooler, and Tow Package
Previous Campers:
1982 Jayco J-Series 2450
2004 Fleetwood Caravan Micro-Lite 25FQ
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08-19-2013, 04:57 AM
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#11
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Site Team
Join Date: Mar 2011
Location: Gaylord
Posts: 26,846
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Quote:
Originally Posted by brandon.delaney
Yes I spoke with the adjuster about that and she said that since nothing on the house was damaged there is no case. The Insurance company did cover the removal of the Tree off of my Camper and driveway. But only because the force from the tree slamming into the camper drove the tongue jack about 6 inches into my driveway. Had the tree not damaged my driveway they would not have covered the damage.
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You might want to doublecheck with an attorney. Any action would likely be against your neighbor's policy, not against your neighbor. The loss was not a result of anything you did. His policy should cover losses you suffer because of his "action"
__________________
John
2015 F250 6.7l 4x4
2014 Cougar X Lite 27RKS
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08-19-2013, 12:54 PM
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#12
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Senior Member
Join Date: May 2013
Location: Bridge, Oregon
Posts: 399
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It's always sad to see damages, such as these, that were not the fault of the owner except being at the wrong place at the wrong time.
Insurance companies can be difficult, to say the least. Both the insurer and the insured are playing the odds. You can bet the insurer will come out ahead, no matter what, or they wouldn't stay in business. I'm surprised they didn't apply the "act of God" clause.
As far as property damage goes, I'm inclined to think self-insurance (setting an amount aside to cover such mishaps) is a better way to go. Then you don't have the hassle of claims, deductibles, getting quotes, etc. It's certain you won't get replacement cost if the RV is totaled. But, you do need to protect yourself from personal liability.
JMO
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