Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×


Reply
 
Thread Tools Display Modes
 
Old 02-02-2023, 06:55 AM   #1
New Member
 
Join Date: Aug 2021
Posts: 7
Deck insurance

Iíve heard some talk around town that says you canít get insurance if you have a wood stove or a deck. Iím not planning on a wood stove but for some reason, Iíve always had my heart set on a deck. So how to get around that oneÖis the question. Do I:
- give up on the ideaÖainít that big of deal anyway
- wait to get insured and add the deckÖjust donít tell anybody?
or
- can you get an exclusion for having a deckÖand if I fall off and break somethingÖdonít go crying to the insurance company.

Hopefully thereís an option or what are we doing about decks now?

Jeff2010 is offline   Reply With Quote
Old 02-02-2023, 08:37 AM   #2
Bus Nut
 
fo4imtippin's Avatar
 
Join Date: Oct 2021
Location: Jax Beach, FL
Posts: 488
Year: 2003
Coachwork: BlueBird
Chassis: TC2000 28ft
Engine: Cummins ISB 5.9 24v, MD3060
Rated Cap: 14
Quote:
Originally Posted by Jeff2010 View Post
Iíve heard some talk around town that says you canít get insurance if you have a wood stove or a deck. Iím not planning on a wood stove but for some reason, Iíve always had my heart set on a deck. So how to get around that oneÖis the question. Do I:
- give up on the ideaÖainít that big of deal anyway
- wait to get insured and add the deckÖjust donít tell anybody?
or
- can you get an exclusion for having a deckÖand if I fall off and break somethingÖdonít go crying to the insurance company.

Hopefully thereís an option or what are we doing about decks now?

I have a solar rack, not a deck. Mine is actually the case. A lot of people only put panels on half the solar rack...


Many people add it after. I don't recommend that as they can deny any claim as you misled them on your qualification. They are going to see pictures of your rig if its in an accident. It will be cheaper for them to deny your accident claim because of an unrelated item you hid from them.



Don't ask for an exclusion, they wont do it. Either covered by their terms or you aren't. Homeowners policies are getting like this for trampolines, diving boards, etc.
fo4imtippin is offline   Reply With Quote
Old 02-02-2023, 10:34 AM   #3
Bus Geek
 
Join Date: May 2009
Location: Columbus Ohio
Posts: 17,680
Year: 1991
Coachwork: Carpenter
Chassis: International 3800
Engine: DTA360 / MT643
Rated Cap: 7 Row Handicap
Quote:
Originally Posted by fo4imtippin View Post
I have a solar rack, not a deck. Mine is actually the case. A lot of people only put panels on half the solar rack...


Many people add it after. I don't recommend that as they can deny any claim as you misled them on your qualification. They are going to see pictures of your rig if its in an accident. It will be cheaper for them to deny your accident claim because of an unrelated item you hid from them.



Don't ask for an exclusion, they wont do it. Either covered by their terms or you aren't. Homeowners policies are getting like this for trampolines, diving boards, etc.

homeowners policies are denying roof damage claims when solar panels are installed (along with denying damage to the solar)... insurance is about risk and $$ to the insurance company... collect and never pay out is their motto
cadillackid is offline   Reply With Quote
Old 02-02-2023, 02:17 PM   #4
Bus Nut
 
Join Date: Jul 2019
Location: Suburbs of Winterset, OH
Posts: 668
Year: 2005
Coachwork: Thomas
Chassis: FS65
Engine: Mercedes 6.4L
Rated Cap: just the 2 of us
Quote:
Originally Posted by cadillackid View Post
homeowners policies are denying roof damage claims when solar panels are installed (along with denying damage to the solar)... insurance is about risk and $$ to the insurance company... collect and never pay out is their motto
It's their motto and their religion!
BarnYardCamp is online now   Reply With Quote
Reply

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 04:08 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2023, vBulletin Solutions, Inc.