Insurance?

[bcoday]

A little different but I had a soft spot on my floor. A inspection found rotted flooring and mold due to a leak. Dealer took over and repairs were paid for by GEICO. The next renewal my policy went down and the following renewal it went down again.

Thanks Russell. This is both helpful AND on topic! . To be clear, when you say that your next renewal "went down" do you mean that your premium cost was reduced?

 

[fishslayer]

Related topic, my nephew put gas in hid diesel F250..motor had to be replaced..16000 dollars..Ins said nope...Ford warrenty said..haha..no..he paid it.

 

[Porterhouse]

Purchased a new Winnebago towable in 2016 that I parted with in 2019 and now shopping for a new Aliner pop up. At the time my insurance coverage was less than $200 yearly.

Called my insurance company to get a ballpark quote on coverage before buying and about fell out of my chair! Was told rates are now about $1500 to $2000 yearly for a $22,000 unit.

Is this for real or am I missing something?

Where do you live? RV insurance is more like homeowners' insurance, rather than auto insurance. If you live in a hurricane state like Florida you're going to get hammered. If you can park your trailer in a less volatile state you may save a lot of money.

 

[Underboss]

A little different but I had a soft spot on my floor. A inspection found rotted flooring and mold due to a leak. Dealer took over and repairs were paid for by GEICO. The next renewal my policy went down and the following renewal it went down again.

Different situation and that is usually covered

 

[Underboss]

Yeah, I expected these kinds of responses. A careful read would help you with your assumption about how the DEF was introduced as I was careful not to blame the guilty party. I also tried to make the question/request pretty clear. We're all on the same page about the fact that it should not be done. We're all in agreement that it's a stretch for insurance to cover every single possible scenario. What is being asked here is for circumstances where some insurance companies have covered this kind of thing and when they have not. Here it is again... "Any firsthand experience with how Geico, Progressive, or other carriers approach this would be helpful." If you don't have this kind of experience, you don't have to waste your time with a response.

I am glad that you expected these kind of responses because folks that make these responses are tired of folks causing insurance rate increases.
Actually I have plenty of first hand experience in claims, both in residential and motor vehicle. I have handled many claims in both of my businesses. A careful read makes it clear that someone put the def in the diesel. It did not put itself in the tank. Common sense says its no different than the "forgot to put the oil in" scenario I posted earlier.
I dealt with customers trying to make claims that literally made no sense and I sent them down the road, as I was good at getting my clients money and did not want to ruin my reputation with adjusters.
Just because someone told you it was covered by insurance before, does not make it true, they may be trying to assuage you.
Good luck