All good ideas. Hope everything works out for you.
On the flip side, I talked to progressive when I finished my restoration
last year. They basically said that it really didn't matter what all I did
to the trailer, they would only insure with a regular policy up to what ACV
was - mostly based on blue book or NADA value. When I purchased the agreed
value the sales person said that if I had all my receipts and pictures along
with costs of the upgrades it would be good enough for the policy. Two days
later when the policy arrived I was informed about the need for an
appraisal. Without the appraisal I still would only get what they
determined to be ACV no matter what I had the trailer insured for.
Please let us know how this comes out!
BTW, I found that Progressive was a wonderful company to work a claim with.
I lost a tire just a few days after getting the appraisal and had more than
$6K of damage to our '77. They fixed everything without question and
renewed my policy this year at $10 less than last year.
Pete
----- Original Message -----
From: "John P Sargeant" <johnpsargeant@rogers.com>
To: <AirstreamList@yahoogroups.com>
Sent: Saturday, August 28, 2010 7:18 PM
Subject: RE: [A/S] RIP Marge the '65 Overlander
> Sounds like we're talkin Actual Cash Value. That means what a willing
> buyer
> would pay for a trailer of like kind and quality.
>
> I would do as Hunter says, research the internet for refurbed Airstreams
> of
> the same year, make and model. Find out what they are selling for. Make
> copies of each example.
>
> Go to a website like RV Trader and find out what Airstreams of the same
> year
> make and model are selling for. Make copies of each example.
>
> Research any other listing service like Ebay, Craigs List etc and make
> copies of each example.
>
> Dig out all your bills for the stuff you've added to your Airstream.
> Figure
> out what time you've spent refurbishing your Airstream. Make copies of the
> bills and give the adjuster a statement of the time you've spent times a
> reasonable allowance for your time --- $/hour. Figure out how much more
> your
> Airstream was worth above the average.
>
> Take all the above and put it in front of the adjuster. Ask to see his
> research so you can show him where his average price differs from your
> research.
>
> Don't take his first offer.
>
> Have a reasonable figure to propose as a first counter offer.
>
> Have a figure in mind that you would settle for willingly
>
> Have a figure in mind you would accept as a last ditch position.
>
> Remember an adjuster is working for the insurance company, not you. He has
> to sell his settlement to the insurance company so it has to be
> reasonable.
>
> Remember he has 50 other cases he wants to get to. He is not paid on a
> percentage of what he settles for. He is paid to get thing settled fairly
> and in a reasonable time frame. Most of them just want to get on to the
> next
> case, get done and go fishing.
>
> Sarge
>
> 37 years claims adjusting, with the diabetes to prove it.
>
>
>
> _____
>
> From: AirstreamList@yahoogroups.com [mailto:AirstreamList@yahoogroups.com]
> On Behalf Of Hunter Hampton
> Sent: Saturday, August 28, 2010 6:40 PM
> To: AirstreamList@yahoogroups.com
> Subject: Re: [A/S] RIP Marge the '65 Overlander
>
>
>
>
>
> cjeffries123 wrote:
> <Sad story snipped>
>>
>> Does anyone here have experience/information they can share about how
>> to maximize what I'll get from Progressive? There's no way I'll be
>> made whole because I spent WAY too much on my renovations. But, I'd
>> like to get as much as is fair and reasonable, considering my
>> situation and my coverage. Aside from the chassis and the external
>> skin, I've replaced everything and upgraded whenever possible -
>> Xantrex SW3000 inverter/charger, flexible solar panels on top,
>> electric leveling jacks, custom cabinetry, etc, etc (Yeah, I
>> completely went overboard :) )
>>
> Hi Chris,
>
> I would do a search of sold Airstreams...all over the internet,
> including ebay.....
>
> Find the ones most like yours, the most expensive ones.... and give them
> the sales prices.
>
> I'm so sorry about your trailer, but delighted that you your family and
> dogs are okay.
>
> Do you know what happened, so we can learn from your misfortune?
>
> Hunter
>
>
>
>
>
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