Reply
 
Thread Tools Display Modes
 
Old 05-28-2019, 11:45 AM   #1
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Conversion Modification and Insurance

Hi,

Iíve read on this site that people have been turned down for insurance for having decks and racks on their roofs.

I went to an insurance company that insures skoolies with these questions, but the underwriters want to keep their criteria a secret it seems.

Do you have a roof deck or Rack and have insurance that knows about it or doesnít care? Whoís your insurance?

Have you been turned down for some kind of modification? What company?
Danjo is online now   Reply With Quote
Old 05-28-2019, 12:27 PM   #2
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,499
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Decks give them pause due to the ability to fall off. They also don't like wood burning stoves much.
o1marc is offline   Reply With Quote
Old 05-28-2019, 09:37 PM   #3
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Well what about racks? I don’t have a lot of roof real estate, but it would be great to have a little storage on the roof. I don’t want to spend a thousand bucks to find out that’s a deal breaker.

Input anyone?
Danjo is online now   Reply With Quote
Old 05-28-2019, 10:31 PM   #4
Bus Geek
 
o1marc's Avatar
 
Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 8,499
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by Danjo View Post
Well what about racks? I donít have a lot of roof real estate, but it would be great to have a little storage on the roof. I donít want to spend a thousand bucks to find out thatís a deal breaker.

Input anyone?
Never heard any issues with roof racks. My agent said if my wood burner stove was installed properly they would allow it, but couldn't guarantee it wouldn't be an issue if it was the fault of a claim.
o1marc is offline   Reply With Quote
Old 05-29-2019, 12:12 PM   #5
Bus Nut
 
TheHubbardBus's Avatar
 
Join Date: Apr 2019
Location: Hotzona
Posts: 633
Year: 2003
Coachwork: IC
Chassis: 3800
Engine: Navistar T444e
Rated Cap: 24
Quote:
Originally Posted by Danjo View Post
Well what about racks? I donít have a lot of roof real estate, but it would be great to have a little storage on the roof. I donít want to spend a thousand bucks to find out thatís a deal breaker.tle storage on the roof. I donít want to spend a thousand bucks to find out thatís a deal breaker.

Input anyone?


No personal experience here, but if it were me, I'd consider saving any potentially 'controversial' additions until after I got the insurance. Then go through your policy w/ a fine-tooth comb and make sure the type of addition you plan wouldn't invalidate your policy before going ahead.



I'd love to hear from people w/ actual real-world experience if this would be a good/bad/necessary strategy.
TheHubbardBus is offline   Reply With Quote
Old 06-03-2019, 02:50 PM   #6
Almost There
 
Join Date: Aug 2016
Location: Virginia
Posts: 79
In VA my underwriter said no roof racks or decks, only solar panels are allowed on the roof. No woodstoves, no frame modifications. No full timers.
__________________
Ricky Burgess,
M.L. Sutphin Insurance Agency, Inc.
Make it simple - we insure it all!
15402663074 | 14344736244
sutphinins is online now   Reply With Quote
Old 06-03-2019, 03:42 PM   #7
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Quote:
Originally Posted by sutphinins View Post
In VA my underwriter said no roof racks or decks, only solar panels are allowed on the roof. No woodstoves, no frame modifications. No full timers.
What insurance company?
Danjo is online now   Reply With Quote
Old 06-03-2019, 03:46 PM   #8
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
I just got off the phone with National General - again. Still no info directly from them. They say, ďwe need to see the complete conversion before we can approve any modification.Ē So I ask whatís been done that they have approved. Crickets!

Anyone been declined or cancelled for a specific modification?
Danjo is online now   Reply With Quote
Old 06-03-2019, 03:46 PM   #9
Almost There
 
Join Date: Aug 2016
Location: Virginia
Posts: 79
Quote:
Originally Posted by Danjo View Post
What insurance company?

National General. I can write conversions with them, either done or under conversion, but VA only until I can talk them into letting us have them in other states.
__________________
Ricky Burgess,
M.L. Sutphin Insurance Agency, Inc.
Make it simple - we insure it all!
15402663074 | 14344736244
sutphinins is online now   Reply With Quote
Old 06-03-2019, 03:50 PM   #10
Almost There
 
Join Date: Aug 2016
Location: Virginia
Posts: 79
Quote:
Originally Posted by Danjo View Post
I just got off the phone with National General - again. Still no info directly from them. They say, ďwe need to see the complete conversion before we can approve any modification.Ē So I ask whatís been done that they have approved. Crickets!

Anyone been declined or cancelled for a specific modification?



Does your state do National General direct or do they have agents? I'd suggest an independent agent like me and see if they can help you. Unfortunately National General doesn't do under conversion in all states.
__________________
Ricky Burgess,
M.L. Sutphin Insurance Agency, Inc.
Make it simple - we insure it all!
15402663074 | 14344736244
sutphinins is online now   Reply With Quote
Old 06-03-2019, 03:55 PM   #11
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Quote:
Originally Posted by sutphinins View Post
Does your state do National General direct or do they have agents? I'd suggest an independent agent like me and see if they can help you. Unfortunately National General doesn't do under conversion in all states.
I called them directly. The underwriters require photos of all the modifications, the bus front to back, back to front, showing all sides and all the inside, so idk what an independent agency could do to make exceptions to their risk management.
Danjo is online now   Reply With Quote
Old 06-03-2019, 04:13 PM   #12
Almost There
 
Join Date: Aug 2016
Location: Virginia
Posts: 79
Quote:
Originally Posted by Danjo View Post
I called them directly. The underwriters require photos of all the modifications, the bus front to back, back to front, showing all sides and all the inside, so idk what an independent agency could do to make exceptions to their risk management.

I have to have photos to submit to underwriting for approval as well, but an agent might have other options that you might not be able to do directly.


But for any conversion, either just getting started or completed they want that same set of photos. Like I mentioned before, National General doesn't seem to have under-conversion available in all states. I can do it in VA, last I knew it was an option in NC as well.
__________________
Ricky Burgess,
M.L. Sutphin Insurance Agency, Inc.
Make it simple - we insure it all!
15402663074 | 14344736244
sutphinins is online now   Reply With Quote
Old 06-10-2019, 02:46 PM   #13
Bus Nut
 
Join Date: Sep 2018
Posts: 771
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Quote:
Originally Posted by sutphinins View Post
In VA my underwriter said no roof racks or decks, only solar panels are allowed on the roof. No woodstoves, no frame modifications. No full timers.
I got a reply back from a Good Sam underwriter. I asked about the following:

Underbody storage

Cargo rack

PV panels


The reply I got was

ď No red flags except the roof rack. Bus conversions with any type of rooftop racks/decks/etc. are unacceptable.Ē
Danjo is online now   Reply With Quote
Old 06-10-2019, 03:24 PM   #14
Bus Crazy
 
HazMatt's Avatar
 
Join Date: Oct 2017
Location: E Central Tejas
Posts: 1,997
Year: 1998
Coachwork: Thomas
Chassis: IH 3800, 8 window
Engine: T444E w/ Spicer 5-speed MT
Rated Cap: I prefer broad-brims hats
What a deck-head..!
__________________
Those who say that it cannot be done should not interrupt the people doing it.
HazMatt is offline   Reply With Quote
Reply

Tags
deck, insurance, modification, rack

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 01:49 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
×