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Old 07-10-2018, 06:02 PM   #1
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insurance got denied... HELP...

i live in illinois, just got off the phone with an agent from AIG (national general). i still have a progressive non-commercial policy, but once my conversion is done, they will drop me. i was told to call AIG (national general). they were very polite, but when i sent pictures, they denied my policy due to having a rooftop deck. no further explanation. my skoolie is done, and i've gotten a new title and RV plates. i'm in illinois and need insurance FAST. we're all packed up and supposed to be leaving tonight... i can't unsubmit pictures with an angle not showing the deck... scrambling and freaking out...
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Old 07-10-2018, 06:18 PM   #2
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I have state farm, they did not ask for pictures.
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Old 07-10-2018, 06:44 PM   #3
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I have state farm, they did not ask for pictures.
Amazing the difference we see.

I have insured three buses through State Farm over the last 20 years. They wanted pictures of all of them.

That said, they have treated me very well. I would suggest giving them a try.

If that doesn't play, I have heard that some folks are having good luck with Good Sam on complete conversions.

Good luck.
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Old 07-10-2018, 08:30 PM   #4
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Originally Posted by simplyusandabus View Post
...once my conversion is done, they will drop me.
Ahem... surely there yet remain other things to do on your conversion? If so, that means you're not quite done yet, doesn't it? Yes, you did retitle it. But have you painted all of the wheels yet, for instance? Added the cucaracha horn?

[My folks left their driveway unpaved for over fifty years to keep their insurance rates lower: the company considered the home unfinished.]
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Old 07-11-2018, 08:29 AM   #5
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Dapplecreek, lol, that's awesome! I would totally go with the "I'm never quite done route."
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Old 07-11-2018, 10:06 AM   #6
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Originally Posted by simplyusandabus View Post
i live in illinois, just got off the phone with an agent from AIG (national general). i still have a progressive non-commercial policy, but once my conversion is done, they will drop me. i was told to call AIG (national general). they were very polite, but when i sent pictures, they denied my policy due to having a rooftop deck. no further explanation. my skoolie is done, and i've gotten a new title and RV plates. i'm in illinois and need insurance FAST. we're all packed up and supposed to be leaving tonight... i can't unsubmit pictures with an angle not showing the deck... scrambling and freaking out...

There are things that the insurance companies won't cover on a conversion. I asked the underwriter that seems to get most of my quotes this question earlier this month and they'll look at all of them, but there are a few things they will not cover.

Quote:
Any type of structural modifications to the body, roof top deck/racks, woodstoves, and full-timers in bus conversions are all unacceptable risks.
At this point trying to say it's still under conversion would still be ineligible because they will not cover a roof deck. The best thing you could do would be to remove it and provide new photos. You could attempt to make it a portable deck to set up on the ground at your camping locations, but you'd have to transport it inside the bus since no roof racks.
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Old 07-11-2018, 11:58 AM   #7
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If that's the case and you remove it to get coverage and then replace it and someone gets hurt, you'll probably be on your own for liability.
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Old 07-11-2018, 12:07 PM   #8
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If that's the case and you remove it to get coverage and then replace it and someone gets hurt, you'll probably be on your own for liability.

Most certainly they would deny the claim and probably cancel him for misrepresentation. But I didn't say put it back after taking pictures, I suggested an alternate use for it. Granted, it's not a great suggestion.
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Old 07-11-2018, 08:37 PM   #9
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Sutphinins,

Can you tell us if they view roof mounted solar panels with similar disapproval?
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Old 07-11-2018, 10:04 PM   #10
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https://skoolieinsurance.com/

So I was all psyched about this, then I saw the bottom of the page, where it says they had to cancel the program.. BUT, they said to call National General instead and reference Martin Burlingame.

Something to try?
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Old 07-11-2018, 11:01 PM   #11
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Strange that they would assume your solar panel mounts were a roof deck.

*Ahem*
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Old 07-12-2018, 08:10 AM   #12
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Sutphinins,

Can you tell us if they view roof mounted solar panels with similar disapproval?

I've asked the question, and while I can only answer it for VA-National General, it's worth knowing. If you are looking to get National General in another state, ask the agent you're working with.

I doubt the rules for these are different in other states, but I wouldn't assume anything or say yes/no without verifying with the company first.
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Old 07-12-2018, 08:20 AM   #13
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Roof-mounted solar panels

I just heard back and roof mounted solar panels, in VA with Natgen, are fine.
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Old 07-18-2018, 04:06 PM   #14
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I turned my bus into a motor home, Dmv registered it as MH, called my insurance agent and they got me fully covered for $40- month. If it was registered as a bus, then it was on my commercial truck policy at $300/month.
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Old 07-18-2018, 06:32 PM   #15
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Ive called a couple of places and state farm is the next one. If i cant find affordable insurance, im not going to be able to move forward with my plans
Quote:
Originally Posted by Ronnie View Post
I have state farm, they did not ask for pictures.
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Old 07-18-2018, 09:37 PM   #16
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try State Farm
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Old 07-18-2018, 10:22 PM   #17
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try Liberty Mutual

no pics required
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Old 07-19-2018, 12:23 AM   #18
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Talk to a local rep. My online Progressive rep couldn't insure Wanda but he gave me 3 local phone numbers to call. The first one already had 3 Skoolies in her system. Walked in, signed the papers, done. But we don't have any racks or other structural mods.
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Old 07-19-2018, 07:55 AM   #19
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Coverage

I have had mine with National general for 6 years .I had several rejections and one of their agents from Washington state called me and wrote me a policy . I don't have his name but he told me he was born in a school bus . It seems his Dad was a Forrest Ranger living in a bus when he was born. Very reasonable rates. call Greg at Better Busses in Florida. I think They might have had the agent to call me. I had called Greg to cancel buying my bus because I hadn't found insurance.
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Old 07-24-2018, 10:03 AM   #20
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Quote:
Originally Posted by mikeypj View Post
Ive called a couple of places and state farm is the next one. If i cant find affordable insurance, im not going to be able to move forward with my plans
What state do you live in? I live in Michigan for now, but will move to Indiana soon and I'm sure the rates there will be much cheaper.
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