OK. My 27 foot Jayco got nailed by hail during the tornado in Bell County last May. I have it ensured through Progressive. Finally, after three months of back and forth, they decided today that it is totaled.

$21,000 check to take it
$12,000 check for me to keep it.

Wife and I discussed it, thought about it and all of that and decided to keep it.

The place that has it is trying to charge me $537 to pick it up. WTF is that? They are saying that because they stored it for two months and did all of the estimate work on it that I owe them $537

I get that point. They don't work for free. But why is that my bill? Shouldn't Progressive pay that?

Just tell me what is normal. If this is normal then fine. I will pay it. But if this is normally something the insurance company would cover then I want to know before I start giving away 2100 rounds of 9mm money.

Thanks



Edit to add- THey said it was a standard fee charged to whoever picked it up. That if Progressive was picking it up because I let them have it then they would pay them the $537

I'm sorry about your claim and your property!

I've been a wholesale high risk commercial property broker for 14 years, so everything I say is based on solely insurance experience and not in particular to your scenario.

why was the trailer stored at this particular facility? I suspect they have an agreement with Progressive and are considered a preferred vendor. I don't understand why it couldn't have been stored at your house then this may have been avoided, but I'm unfamiliar with travel trailer forms and Progressive's terms for rights on salvage or recovery. I had a major hail claim to a truck (insured by Progressive) and I kept it in possession.

if you take the total then it's Progressive's property and they pay to pick it up.

it's rarely worth the headache to fight for that amount, I would just cut the check if you really want to keep it and move on. FYI - Progressive is awful claims adjusting. I had to get a third party adjuster on my truck and they said the roof was fine when every square inch had a major dent in it. I took their ACV check for repairs and sold the truck for cash to avoid the 3 months of not having a truck nor rental car expense coverage. This benefitted me financially, which I even told their adjuster why don't you total this and sell an an auction to benefit. His reply was that he didn't have that authority and he would have done the same thing I was doing.

I'm still with Progressive because they are so much cheaper than every other insurance market I've gotten quotes from. The only super competitive insurance carriers that pay claims would be Chubb or AIG and they only insure high net worth, so you'll need at least a million of property assets for them to cover, and I'm not there yet.

personally, the total sounds better, but I know nothing of travel trailers tolerance to hail damage and cost to repair.

It was on their lot for two months because I left it there. I could have kept it but we don't use it in the summer. We use it every weekend from Late October through mid May. I had no idea when I dropped it off that it was going to take that long.

But the RV place isn't as concerned about the storage as they are the labor they put into doing the estimates for repair for Progressive. That's where the rub is. And in my mind when they are doing that they are working for Prog. In Progs mind since I am keeping it they were working for me. I honestly see both sides of the argument. The one thing we all agree on is someone owes the RV place $537.

As for keeping it or not, It was close. We rarely finance anything. As in nothing. But we got an absurd interest rate on it years three years ago so we financed 2/3 of it. Basically the 12k pays it off. If I got 21k sure I would have 9k but then no trailer. We like that trailer a lot. We have customized a lot of the inside. We probably spend 40 nights a year in it. I just don't want to buy another one and couldn't care less about hail damage.

I don't know what's standard but that's pretty ****ty of Progressive to take that long to decide which resulted in the trailer being at that particular shop for that amount of time.

I, too, had my trailer totaled from the same tornadoes and also opted to keep mine (was insured through Foremost). It was already paid for and there was zero damage to the roof or windows. All just dents in siding so it made sense for me to take the $12K and keep a perfectly good trailer outside of cosmetic damage. The shop where I took mine to get an estimate told me straight up that it would be totaled but still took the time to write up the estimate at no charge.

Also, it took about three weeks from claim being filed to check in my hand. That's ridiculous that it took Progressive three months.

"fee charged to whoever picked it up."

That's pretty clear. Pay the money and enjoy your paid-for travel trailer!