Camping and RV Forums  General Forums  Breakdowns and ...  Help with insurance claims
Previous Previous
 
Next Next
New Post 6/5/2012 1:10 AM
  madidi
106 posts




Help with insurance claims 
The motorhome of a good friend of mine recently got damaged after a lighting strike hit the tree right beside their MH. The tree didn't cause any damage to the motorhome and thankfully, none of them were hurt. But the power of the lighting bolt was strong enough that it caused a huge power surge in their motorhome that their rig filled up with smoke. It damaged their dish network box, in motion satellite, alternator fail light, ABS light, etc. They filed a claim with their insurance company (National Interstate). Even though their policy clearly states that the company will pay for loss to personal effects cause by lightning (among other things), the only one that they were willing to cover was the freaking TV!

My friend and her husband are on retirement and are full-time RVers, and I really would like to help them out. Any course of action that we can go with this?
 
New Post 6/6/2012 3:04 AM
  maximo
116 posts




Re: Help with insurance claims 
Sorry to burst your bubble, but I think I understand why the insurance company denied the claim. For starters, there is no clear evidence that lightning strike was the sole reason for the electrical damage to your friend's RV. As you said, there was no external damage on the motorhome that could be linked to the lightning strike, other than the smoke. Given that, the insurance company cannot really eliminate the possibility that there was a power surge that occurred within your friend's motorhome that could have also happened with and without the lightning strike.
 
New Post 6/20/2012 3:15 PM
  georgito
106 posts




Re: Help with insurance claims 
I have to agree with maximo. Insurance companies would really go through every single thing with a fine tooth comb whenever you file a claim before they would release anything. You can blame those that submitted all those bogus claims in the past for it.
 
New Post 6/21/2012 2:34 PM
  el fuller
96 posts




Re: Help with insurance claims 
Aside from the smoke, was there any external damage coming from the lightning? I would expect that given the power surge you mentioned, there should be some burning of some sort outside as well.
 
Previous Previous
 
Next Next
  Camping and RV Forums  General Forums  Breakdowns and ...  Help with insurance claims
© 2007-2014 Camping Road Trip, LLC. All Rights Reserved.