With cars.. it should be the same wih rv's..

Did you have adjuster look at the damage to begin with? or just a shop?

Normally , the check is cut to the repair shop.. then the repair shop would put in for the supplements to the insurance company.. and get paid directly by them.

If you had the insurance company cut you the check.. I would check the settlement, and make sure you did not agree to settle, with no supplements.. If you settled.. your done.

If you did not , you should bring the rv in to the shop.. let the shop call the adjuster, and get them in for the supplements. I don't think I would cash the check til the adjuster agreed , in writting with the written estimate...

If they say to accept the check and then have the adjuster come out.. Adjuster can say no go..Or if the repair approaches 70% of the value.. they may total it. They what is your deal with the shop? are you going to have to pay what they did so far? You shouldn't..

How much have you received? how much off is the repair shop ? and why is it so far off?

-- Edited by The Junkman on Wednesday 30th of July 2014 10:17:02 AM

Is the shop, a recommended shop from your insurance company? It will go easier if it is..

If you have any other choices of RV repair in your area, I would get a 2nd and even a 3rd estimate. CW can be high and I have not heard the best things about them. You might google for any issues with the particular one that you are planning to use. I would not do a lot of guessing on what you "might" be able to do because it "might" end up costing you a lot in the end. Be firm.

Another thought:  What is your deductible amount on your policy?  Would that amount and the check from the insurance company come closer to the estimate from CW?

-- Edited by SnowGypsy on Sunday 3rd of August 2014 03:53:44 PM

Either Camping world needs to meet the appraisers price..

Or you need to bring it to the appraiser approved shop.. who as a "direct repair shop" for your insurance company, They must accept the amount the appraiser provides.. Of course if there is unseen damage that is realized in tear down.. Then a supplement can be submitted , for approval by your insurance company. No work should start, or be added, without the approval from you and your insurance co..

Seems there may be more to the story ? How much time passed from the time of the accident til now? Have you approved the repair at the shop without your insurance co?

If you don't want to pay out of pocket.. Bring it to the insurance companies direct repair facilities.. It's that simple.. If you choose to bring it elsewhere, you may need to foot some of the bill.

Thanks for all of the advice. We definitely will get a 2nd and maybe 3rd opinion. I'll just be glad when it is all fixed and this is all over with.

 

 

Why can't your shop do the repair at the appraisers price? You should have a written estimate from the adjuster.. and a written estimate from the shop. What is different?

The difference in estimate costs is of course labor. My hubby is calling the insurance rep. back today to find out why we only have a list of auto body repair shops so hopefully we will get answers and know what to do next.

We are currently going thru the process due to hail damage. The adjuster came out and wrote us a check for less than half of what the service center wants. They faxed a estimate to the insurance and next week a adjuster will meet with them. Once they have settled on repair cost the insurance will do a valuation of our 3 yr old rig to decide if it's going to be totaled. This is likely in our case since the damage is close to or exceeds it's value. We may get a check that will pay off the loan and put some cash back in our pockets. I am hoping they sell it back cheap as most of the damage is cosmetic and I can fix the rest.

Interesting, I'll have to call the DMV here. i do know the insurance will drop us as soon as the policy renews.

Outside of the dings, there is replacing the awning fabric, replace the shattered vent lids, the cover to the porch light and a gutter extender. Luckily we checked the trailer right after the storm and got the lids sealed up. Those have been replaced and Maxairs added too.

What I do find interesting after reading how fast trailer depreciate is that our trailer Nada is less than a grand below what we paid brand new. Even the quick valuation the insurance gave was close so I guess I got us a good deal back then. :)

Actually I have had two situations with my insurance company.  First one was that my 2003 Aerostar A30R TT developed a BIG leak during storage and the floors were soft from front to back.  The adjuster came and looked at the damage and asked me to have an estimate from a local repair shop.  I was asked what I thought the TT was worth and I said probably $6500.  Closest repair shop to me was in Hanover, PA at Camping World (formerly Reichart's).  Estimate from CW was $17,000.00.  The estimate was forwarded to the insurance company (Safeco) and TT was totaled.  We received a check for $8100.00 minus balance due on the loan.

We bought a used RV from a local RV dealer.  2006 Rockwood Signature Ultra Lite 8315SS.  On my first time out I miscalculated the length and damaged a Ford Ranger pickup truck.  I am not sure what that cost to repair.  I had taken my TT back to the dealer to have some repairs done to it that we found on out maiden voyage.  Biggest part of repair to my TT was less than my deductible, $250.00.  Dealer never even forwarded the estimate of repair to my insurance company. 

Believe me, I am tickled to death with Safeco Insurance for this and other reasons.  Ed

 

 

As a update for our situation.

It took a month for the shop to get the repair written up and sent to the insurance company. They sent a adjuster back out and due to labor rates, totaled the trailer. They offed the trailer back to us for $3300 which I thought was high but they were not budging. He was looking at the pictures of the rig and was right in that it doesn't look bad in or out, except for the front where you can see the dings.

After looking at various options including used for the payoff or starting new again, we decided that there wasn't a better deal than our own 3 yr old trouble free trailer paid off and a check big enough to cover essential repairs. It took $8600 of payments off and it won't even have a salvaged title. Colorado doesn't allow salvaged titles for hail damage so it is plateable still. Now we just need to load most of the stuff back in it and get back to camping.

ChefMom,

I am glad things are finally working out. Here's hoping it is good to go by the end of the week!

Jo