Starting a Skoolie Certification Process.

first up i want to thank jjaj for the very accurate description of welding qualifications. i cringe when people throw that other term around.

the devil is in the details..... so you didnt have an rv? you had an unconverted bus? your insurance issue is that, and not rv insurance.

to register as an rv, i had to have rv insurance first. the lady would not give me plates with out proof of insurance. to be an rv, i had to have items required by the state.
 
I would venture to say that liability is what causes more denials than anything..
bad drivers are a bad liabiity..
whether you like it or not in general terms, people with crappy credit tend to be in more motor vehicle accidents.. no idea why it just seems to be a stat thats used..


now thats out of the way lets add a bus to the mix..


I already mentioned some of the reasons why wood stoves, roof raises and such might get denials..


broken THINGS typically dont bring million dollar lawsuits against insurance companies..
broken BODIES do..


you have a roof deck, forget a lawn chair that blows off the minute you get on the freeway.. it lands in the windshield of a family of 5 and they wreck out... your insurance company is going to be on the hook for a huge payout...



easy way to prevent it? dont insure roof decks.


woodstoves - theres a reason commercial RV's dont have them.. and dont say its because the buyers dont like wood fires.. because they do.. its a dumbass idea to have a metal cube that can flail arund in a panic stop and cause you to lose control and smash the family of 5... or it causes a fire and kills a kid in the next RV over in the park... who gets sued? not the RV manufacturer as they dont exist.. your insurance company does..


roof raises? you've taken a vehicle engineered and designed to be no taller 10.5 feet and made it 12 or 13....



with factory built RV's there is a trail of code and regulation thats followed.. those suburban RV furnaces have been built and often times UL listed as safe for mobile RV use.. the propane lines, electric wires etc that are being used.. each item has its own listed uses..



creating this program in the original post probably means no more home water heaters,, no home style furnaces, woodstoves definitely arent officially built for mobile use, want a 13 foot tall RV buy a coach and convert it.. (from what ive heard more insurance companies insure converted coaches than do school busses)...



I have zero issues insuring my busses with seats....

Zackly, Cristopher! nuff said
 
This is why the different levels of certifications. The goal of this is to also maintain the freedom of how much one wants to put into a Skoolie. We believe anyone should be able to get insurance as long as their vehciles are safe to drive regardless of modifications.

Take for example wood stoves. You can securely mount wood stoves to where even in a wreck they aren't going to fly foward killing the driver or through the windshield killing other drivers. If done properly and certified there should be no reason insurance companies should have to worry about those issues.

Also, many people just leave the walls up and never take down anything and just screw into the side panels. Some will never run wiring even and just plug into a battery backup and throw the mattress in there. For those types, we'd include base vehicle safety certifications, And for those doing the full Monty can get the base vehicle safety certifications as well the the other types of items. I'm of course speaking generally right now but I plan to draw it up in an outline for all to see and comment, and add everyones 2 cents.


As far as wood stove is concerned there is much more that a solid mount to satisfy safety concerns. Fire, toxic gases & asphyxiation, operational concerns such as a driver parking under a tree or other combustible structure and much more - think like getting a UL certification.


Insurance - many years ago I tried to get workmens compensation for a roofing company in Texas. At that time (don't know anything about today), Insurance companies would not issue insurance to new companies, so the gov made the insurance companies form a pool where they took turns insuring new companies that applied. The insurance was still very expensive (1 $ to the insurance company for each $ in labor, this slowly got cheaper if you didn't have any claims and established a safety record) but at least you could get it so that you could bid jobs that required it. The majority of small residential companies were uninsured as far as workmens comp went - else no one could afford a new roof. Wonder if insurance companies would be interested in doing something similar? Might require gov interference.
 
Last edited:
I'm 26 and extremely lucky to have spent so much time with my grandpa before losing him, I grew up building barns on the farm, helping wire new garages (he was color blind so it was my job haha) but there are a lot of people my age or younger wanting to do this or Van Life and they don't understand everything that goes into making them safe as well as comfortable. On the most basic sides a lot do not understand is, how much time needs to be dedicated to maintain the chassis itself.

I used to work for Fedex Freight and was very used to pre and post trip DOT inspections and many don't know that's something you need to do. A lot just get in and drive hundreds of miles thinking oil is the only thing to worry about. I think as a community we need to pursue every avenue to protect ourselves, other motorists, and new members. At the very basic level we need to educate people coming into this so they know what's ahead.


Your talking about the difference between amateurs and pros - think licenses aka cdls


I wonder if we could incorporate audit stations at Wanderlust Waypoints. Follow a guide and have someone who has backgrounds in electrical or plumbing to tick the boxes and see things were done safely. or make a very detailed guidebook for how to test yourself and make sure you're good to go. I am onboard with this and I'm still a newbie I'd say but if there's a way to help this gain traction I'm in.


Sounds like a building inspection with no permit or fees. Who writes up the building code?
 
Last edited:
This is a good idea. It will need a solid group of folks to get it off the ground.
My insurance company initially refused to cover me and my skoolie, but changed their minds when I wrote this letter, dated 9 Dec 2022, and submitted pictures of the inside and outside:

Dear Amica Customer Service,

Here are the requested pictures of our RV /bus conversion.

Some additional information:

This vehicle is used for occasional camping and traveling only.
It is stored on our property.

The vehicle is in excellent mechanical condition, and has zero rust. (Alabama origin)
New tires all around in December 2021-
Drive axle: Toyo M922 winter traction 11R 22.5
Steer axle: Toyo M122 11R 22.5
The tires have approximately 3500 miles on them.
All lights and mirrors are in proper working condition.
The vehicle has a back-up camera system.

All appliances are RV type: furnace, cooktop, water heater, refrigerator - all installed according to manufacturer's instructions.

In building this conversion, I have followed the guidelines set forth in NFPA 1192, Standards For Recreational Vehicles; NFPA 70, (NEC) Article 551; and ANSI/RVIA Low Voltage Systems in Conversion RVs.
I am retired from a lifetime of construction and machinery troubleshooting and repair.
Everything in the build is fastened with proper bolts and screws. Nothing is fastened with nails.

There is only Marcia and myself traveling and camping. We are the only drivers, and we do not carry passengers. However, since it is required, there are seat belts for all seating spots.

It does not have, nor will it ever have, a wood stove.

There has been no roof raise, nor any other structural body modifications, nor a rooftop deck. The rack on top is for the solar panels only, is through-bolted to the structural body ribs, and is seriously over built for their weight.

I've included the photo of Marcia and myself simply because Marcia is so darn cute.

Let me know if anything else is needed.

Sincerely,
Ross Osborne

I realize that this is a new proposal. Sure to be fleshed out as more ideas come in. But I'm a little surprised I haven't seen any mention of the current codes already employed in the RV industry. I'm curious to see where this goes. I don't know how much time I could devote to such a thing, as I'm involved heavily with a local jazz non-profit.


You made sense, a little unusual today.
 
dude you totally missed my point...



the diesel heaters alot of people use are already designed and built and recommended for vehicle use.. wood stoves are not built for vehicle use.. if there is one out there that is designed for vehicle use then THAT is the only every skoolie should use.. not just the cheap thing they find for sale at a thrift store..


RV water heaters are DESIGNED for vehicle (RV) use..
RV furnaces are DESIGNED for cehicle use.. same with RV ranges.. home ranges arent.. home cooktops arent built for vehicle use..



I venture to say that house windows and house doors arent designed for vehicle use...


what could be different? house windows shatter into actual pieces of glass.. car windows are either complete safety glass or shatter into little nearly harlmless bits..



remember what I said about People damage being much more expensive to an insurance company than broken stuff?



this has not a damn thing to do with the fact my busses have seats and are not houses...


many of the busses that are built make wonderful homes... but should stay just that.. a home and not on the road. **THIS** is why insurance companies deny.. apparently you cant see what every post ive tried to make in this thread is about.. RISK.. and Profit.. insurance companies arent out there to push forward the skoolie movement.. they are out there to make a profit.. and people putting house doors and windows and unapproved-for-vehicle-use products like wood stoves arent helping them make a profit.. pure and simple...



there are already manu products out there that could be used to buld skoolies that are vehicle approved... RV appliances, RV water heaters, RV doors, RV windows, diesel heaters, RV rooftop A/C, RV basement A/C, RV propane tanks.. see where im going?


most of the skoolies built are using non RV pieces and parts.. thus pieces and parts that arent designed for a vehicle... some things matter, some dont.. but to an insurance company thats a huge hit to the risk factor.. I dont care whether you tecnically *could* make a regular water heater safe in a bus.. the fact is its NEVER BEEN TESTED in that arena.. therefore there is an unknown.. unknown = risk...


how many skoolie builds actually have access to an alternative exit from the sleeping areas? ive seen a lot of people cover up the handle to their rear emergency door. or turn that area into a garage with no access from the bus.. how do you get out in a fire? (Hint: real RV windiows have anemergency function that even a fat guy can fit out)...


lets go at wood stoves from a different perspective.. RV appliances could be left on when you take off the down the road and not start a fire.. yes a propane stove could if something fell onto it from a cabinet above left open... (some RV stoves actually shut off the gas if they sense too much motion in the coach. )..


if you take off down the road and somehow forget you have a fire in the wood stove that isnt designed for vehicle use, what stops a big chimney backdraft from blowing hot embers out the intake? NOTHING because it was never tested on a vehicle shaking the fire around and wind blasting down the chmney constantly...



anyway you get the point about what I mean about items designed for vehicle use vs not...

Yes, I get your points.

How many of those "RV" Rated items are actually labeled as RV for safety vs profit making? I'm sure some of those items are sold as "Safe for RV's" to make a selling point to RV builders. We've all seen how easily RV's fold like cardboard when wrecked.

I don't hear or see often people breaking House Windows as you say when used in their buses. But if that is truly the case, and let's say for example it is the case, then this is the kind of information we need to know. It's fine if that is the case, but we just need the data to show that it isn't safe to use. They do make tempered glass for home windows as well that from what I can tell does hold up well and don't fall out if mounted correctly. So what are the actual statistics of failed windows on a converted bus? Is it a rare occurrence that they break and shatter or fall out or do they hold up or not? did they break because of a poor install or lazy mounting? Is this a high dollar item for insurance companies replacing for their customers? All questions we need answered. Don't just assume, what does the data show?

If they hold up on a converted bus, and are low risk to bodily injury, then we shouldn't really give a damn if it's been proven unsafe or doesn't work on an RV. I don't want us relying on data from RV's or standards for RV's for certification on Skoolies.

Now this is my point. We're building our OWN certifications here. "We" get to determine what is safe and what isn't safe through testing, ON BUSES, and their frames, and use proven data ON BUSES, and not relying on historical data from outside sources like on RV's, and by RV companies. I only want data used on Converted Bus Frames, not RV's. One could argue that RV items lack durability on a bus frame vs an RV frame. Different vibrations, different handling, different use cases, who knows? This is what we need to determine. We need to ditch the mindset of using and latching onto RV certifications, and guidelines. Every part needs to be re-evaluated for use on Bus Frames. It will be a ton of work. Ask ourselves, does this work, does this not work on a skoolie. Is it proven safe and effective to use, and will it break on a bus frame? Would this cause Insurance Companies money for owners filing claims on it? Whether it's "For an RV" or "Works on an RV" should really not hold any weight or bearing for this certification. We will make honest determinations based on data people provide. Decide that it's low risk or high risk on a bus, and classify it as we have data on it. A home depot house door may be terrible on an RV because the frame shifts more than on a Bus. A bus frame is more solid and doesn't move or shift nearly as much and may work fine, operate well, and is safe on a bus. There are differences and need to be evaluated and tested long term.

I want Insurance companies coming to US to make the determinations, not us going to THEM.

If someone has an accident, we need as much info on what failed and broke from those incidents. If we find some installation someone did failed, or failed during a wreck, then those items need to be evaluated and understood as to why they failed and then modify as necessary the guidelines of whether it's acceptable or not.

Some of this knowledge we already have obviously, some we don't. But we need to make our own decisions on what is vs what isn't, through observation on buses and THEN when we have a reasonable amount of data on the subject and are sure what makes them safe vs what makes them dangerous, make the case to insurance companies that wood stoves found from garages are unsafe because while mounted well, has weak legs that wouldn't survive an impact, and the force upon the weight will bend the legs etc for this type of wood stove, so these are not approved for our certification, but X type of wood stove is considered safe because Y mounting is not affected like the facebook marketplace wood stove. Or because it can close off during driving preventing a rocket stove type of situation etc and has a door that is lockable preventing embers from falling out and is mounted to the wall via a welded rod to better hold it in place. People need to understand if they want these things, they need to go the extra mile to make it safe if they want to drive them on the road legally with insurance.

Point is, whatever the items required to make it safe, WE can quantify what is vs what isn't safe, and act accordingly and certify it or not certify it. If something isn't safe then we don't allow it in the certification until it can be corrected to known a safety design. Simple as.

I get your point about risks, and certification if followed by builders reduce the risks. We make the determination of what is and isn't safe by the science and certify one way or the other, safe or unsafe, low risk or high risk. The item doesn't matter, the questions do.


Keep in mind as well as we present our case to the insurance companies and have these meetings with them, it's a two way street, we can ask for crash statistic data from them as well to assist us with certification modifications if our certifications don't align with their data, what I don't want to happen is that we go to the insurance companies and ask for the data unprepared, and then they have the upper hand in negotiations and ultimately make the determinations of what we can and cannot have in our skoolies.

Example, I want to be able to go to them and say, while yes your data shows many claims being filed due to this non RV water heater caught the place on fire, it was due to improper ventilation ducts not being added and it over heats if you don't do X, but it's been proven that if we do X, it is safe to use and should be insurable. If builders come to you for insurance and have one of our certifications, you can rest assured this item has been taken care of.

It holds more weight.
 
Last edited:
i am relatively certain that one day i'll put my bus on its side. but aside from that, in my 13 or 14 years of ownership, i think i've only seen or heard about 1 skoolie accident.

https://www.wsmv.com/video/2023/06/14/watch-2-dead-following-school-bus-converted-camper-crash-with-children-inside-colorado/

here insurance is moot. if they had liability, it paid to drag the bus off the mountain.

Strange that it shows Division of Fire for a county like it was a county fire vehicle more than a skoolie, see pic:

Also it rolled off a cliff, I doubt any internal items caused that to occur or certifications could of helped that situation. If the driver falls asleep and drives off of a cliff is it really a certification issue?

It could be if he had bad king pins and the steering was compromised, and wasn't certified.
 

Attachments

  • Screenshot_20240820_013630.png
    Screenshot_20240820_013630.png
    373.8 KB · Views: 15
Last edited:
i am relatively certain that one day i'll put my bus on its side. but aside from that, in my 13 or 14 years of ownership, i think i've only seen or heard about 1 skoolie accident.

https://www.wsmv.com/video/2023/06/...d-camper-crash-with-children-inside-colorado/

here insurance is moot. if they had liability, it paid to drag the bus off the mountain.


there have been accidents and fires.. we have seen posts of fires here.. ive seen accident posts on the facebook groups.. you never hear backl from those that burn down or wreck so no idea how they ade out with their insurance claims. I know ive seen a few go-fundme where people's skoolies burnt down and they had zero insurance to cover it.. in at least one of the cases the bus part caused the fire.. had nothing to do with the conversion.. one other fire was while the bus was parked unoccupied and no mention of what caused it.. couldve been Bus related or conversion related.. and one i remember was caused by something electrical.. everyone on that FB thread was on the bandwagon their lithium batteries caused it .. that one apparently was insuredd as the owners talked about building a new one..


ive only seen a couple crashes on the facebook groups that were more than traffic accidents.. most seem to be traffic related that could be attirbuted to the Bus vs anything conversion.. ie someone hit a pole making too tight of a turn.. another was someone backed into a 5th wheel and knocked it off its jacks.. there was a bus on its side in a ditch in one of the facebook pages.. a lot of debris on the ground around it..apparently minor injuries to occupants.. no idea on cause.. you never hear the whole story reading facebook and forum posts...



but something mustve happened for insurance companies to not insure converted busses but will insure seated busses.. is it just a coincidence that traffic claims happen with converted busses so they automatically (and wrongly) equate the accidents to conversions when it wouldve happened the same way in a seated bus? I could just as easily back into a car in my bus with seats as you could in your converted bus.



but all we are doing here is speculating and assuming some big conglomerate insurance company is going to listen to a few thousand people who have converted busses...



again im a business guy.. if I was an insurance guy someone would not have to come to me and preach how they are making their busses safer by this build program and how they are takind driving courses, even getting CDL's.. someone would have to come to me and show me how i could be profitable by choosing to insure their segment of vehicles...





for something of nessecity like mentioned of the insurance pool created by the government made sense.. we needed more construction companies to repair roofs and build housing, yet none could get insuramce so building projects and repairs were ultra expensive and often oput on long delays.. so the government intervenes and creates a pool to help increase the amount of necessary contractors to build / repair housing..


somehow i dont think someone can convince the government that home built RV's are the solutiion to the affordable housing crisis... and that many 10s of thousands are not getting built because they cant get insured... maybe a grass roots effort in a local rea to get started.. but the headwinds are huge..


even in RV heavy areas like california, the government is clearing out encampments because they didnt maintain themselves... typically skoolie owners arent like these camps but tell that to the average public.. (even my liberal friends see the blight ).. you have much better luck getting government support for immobile tiny-home developments such as those built out of shipping containers that are retired...



but anyway I look at this different apparently than the rest of you.. perhaps it comes from being a business owner that does carry umbrella and liability insurance for our people.. thag insurance company wouldnt insure us or our segment (installing technology equipment) if it didnt turn them a profit..
 
beginning to turn into a boxing match between members here...You are losing focus of the real issue here. Throwing everything that has been said so far into a blender...we are getting here is a horrible tasting puree of mashed up emotions and negative vibes.

The negativity started with tdperkins and then YOU!!
 
The negativity started with tdperkins and then YOU!!

Well good morning and thank you for the kind words ….

Hope you get it all sorted out!

As an update, i got my roof raised insured easy as pie…. Oh yeah, i had a nice conversation with an underwriter, not an independent agent in order to get it accomplished.

Your all smart people but like i been saying , we need to know what the underwriters are looking for.
 
cool! at least you found someone with some insight...

what did you learn? and you got insurance? whaat!?!?!?!


@nikita - so is there a difference between a command bus conversion and a school bus conversion? i dont not find the word fire on the side to be a structural difference. and if so, i'll drop out right here since i have a bookmobile and not a school bus.

let me correct my errors.... bookmobile conversion insurance is easy to find.
 
Last edited:
@chris - the harris admin is talking building 3 million new houses. wouldnt it be cool if some tiny house communities start popping up?
 
cool! at least you found someone with some insight...

what did you learn? and you got insurance? whaat!?!?!?!


@nikita - so is there a difference between a command bus conversion and a school bus conversion? i dont not find the word fire on the side to be a structural difference. and if so, i'll drop out right here since i have a bookmobile and not a school bus.

let me correct my errors.... bookmobile conversion insurance is easy to find.

The fire logo is of course not structural, but definitely not defined as a skoolie. I dunno what is your definition of a skoolie?

I've always been told it's a tiny "home" conversion from a school bus, not a tiny "library" or tiny "firetruck", or tiny coffee brewery, or literally anything made from a school bus. It's a home. I'm not sure this certification, at least at first, would cover other variants. Some people putting car ports in the rear of their bus might not qualify.

I suppose though it would be a natural evolution to expand on custom items for certification, but let's get the default home part done first.

The certifications we're pushing for here are more geared towards the "Home" variant and at differing levels. Even cadillackids buses would fall under it as he has a bed in it He hasn't taken it very far beyond engine/transmission modifications, but still on the line towards a living quarters. If you'd like to do your own certification for school bus conversions into a library by all means, more power to you.

I don't know enough about your conversion, but if it's both as in a tiny living space and a library, then I'm sure yours could fall under it as well but that's up to you if you want to go for one or not.
 
Last edited:
i am relatively certain that one day i'll put my bus on its side. but aside from that, in my 13 or 14 years of ownership, i think i've only seen or heard about 1 skoolie accident.

https://www.wsmv.com/video/2023/06/14/watch-2-dead-following-school-bus-converted-camper-crash-with-children-inside-colorado/

here insurance is moot. if they had liability, it paid to drag the bus off the mountain.

There was that lady who drove a converted GM coach into a dangerous curve and died with her family watching on from their car following her. Not technically a skoolie but a homemade conversion.
 
Yes, I get your points.

How many of those "RV" Rated items are actually labeled as RV for safety vs profit making? I'm sure some of those items are sold as "Safe for RV's" to make a selling point to RV builders. We've all seen how easily RV's fold like cardboard when wrecked.

True…but you also don’t typically hear about RVs randomly exploding due to improper heating, propane, etc. The reason is because the appliances and such are tested for this use case specifically. Just like stoves for marine use are tested in marine environments and aviation items are tested in that environment.

I don't hear or see often people breaking House Windows as you say when used in their buses. But if that is truly the case, and let's say for example it is the case, then this is the kind of information we need to know. It's fine if that is the case, but we just need the data to show that it isn't safe to use. They do make tempered glass for home windows as well that from what I can tell does hold up well and don't fall out if mounted correctly. So what are the actual statistics of failed windows on a converted bus? Is it a rare occurrence that they break and shatter or fall out or do they hold up or not? did they break because of a poor install or lazy mounting? Is this a high dollar item for insurance companies replacing for their customers? All questions we need answered. Don't just assume, what does the data show?

Agreed…we don’t often hear of this circumstance. That doesn’t meant it’s a safe practice. Sure, they make tempered glass for sticks and bricks homes, but you can’t assume that because automotive windows are also tempered, those same household windows would hold up to flying road debris.

If they hold up on a converted bus, and are low risk to bodily injury, then we shouldn't really give a damn if it's been proven unsafe or doesn't work on an RV. I don't want us relying on data from RV's or standards for RV's for certification on Skoolies.

Who defines risk level? Insurance companies. They are going to look to hard data, and like it or not…the closest point of comparison to our bus conversions are RVs. There aren’t enough of us on the road to be more than a rounding error in their evaluations.


Now this is my point. We're building our OWN certifications here. "We" get to determine what is safe and what isn't safe through testing, ON BUSES, and their frames, and use proven data ON BUSES, and not relying on historical data from outside sources like on RV's, and by RV companies. I only want data used on Converted Bus Frames, not RV's. One could argue that RV items lack durability on a bus frame vs an RV frame. Different vibrations, different handling, different use cases, who knows?

This is what we need to determine. We need to ditch the mindset of using and latching onto RV certifications, and guidelines. Every part needs to be re-evaluated for use on Bus Frames. It will be a ton of work. Ask ourselves, does this work, does this not work on a skoolie. Is it proven safe and effective to use, and will it break on a bus frame?

What you are describing is exactly what UL is for. You submit an item and they test it. But, as I understand it, the certification is only valid if installed under the same conditions as the testing was conducted using.

Practically, this means if I submit a stove for UL testing using my 40’ RE300 with front kitchen, any “approved” installation would have to meet those same conditions…so it would probably not be allowed in a short bus based on an E350 chassis.

NOTE: someone who knows better, please correct me if I’m wrong…this is outside my area.

While I understand what you’re saying about not wanting RV data, why not utilize appliances that have already been approved for RV use? Insurance companies have already accepted that these can be used in all manner of RVs, so that works to our advantage.

Whether it's "For an RV" or "Works on an RV" should really not hold any weight or bearing for this certification. We will make honest determinations based on data people provide. Decide that it's low risk or high risk on a bus, and classify it as we have data on it. A home depot house door may be terrible on an RV because the frame shifts more than on a Bus. A bus frame is more solid and doesn't move or shift nearly as much and may work fine, operate well, and is safe on a bus. There are differences and need to be evaluated and tested long term.

Who is the “we” making the determination? And again, what are their qualifications? I am a certified marine electrician, diesel mechanic, and marine systems tech. Is that good enough, or are there other quals? There are people on this forum who probably have way more experience with busses than me, but not the credentials…does that mean they don’t know what they are talking about? Of course not, but from an outsider perspective (I.e. insurance companies), whose statement will likely carry more weight? Not saying it’s right, just that it’s the way it is.

I want Insurance companies coming to US to make the determinations, not us going to THEM.

This is a lofty goal. Is it possible, sure. Is it probable? In my opinion, no. As Cadillac has stated, insurers want/need to make a profit. They will ALWAYS default to their internal stuff for guidance, cert or no cert.


If someone has an accident, we need as much info on what failed and broke from those incidents. If we find some installation someone did failed, or failed during a wreck, then those items need to be evaluated and understood as to why they failed and then modify as necessary the guidelines of whether it's acceptable or not.

So in addition to testing all of the gizmos, gadgets, and whatsits galore, we are also looking to have an NTSB-style investigation team also? Hmm…

Some of this knowledge we already have obviously, some we don't.

Do we though? As far as I can tell, all we have is some anecdotal evidence provided by folks who, while having the best of intentions, are not doing any sort of testing that would stand up to scientific inquiry. And that’s what we would need. In order for an experiment to be valid, it must be easily and exactly reproducible. Any change in variables means it’s a new test and any results neither prove or disprove the result of the test it’s based on.

But we need to make our own decisions on what is vs what isn't, through observation on buses and THEN when we have a reasonable amount of data on the subject and are sure what makes them safe vs what makes them dangerous,

See comment above about experiments. Anyone want to volunteer their bus to be a crash test dummy? :biggrin:

…make the case to insurance companies that wood stoves found from garages are unsafe because while mounted well, has weak legs that wouldn't survive an impact, and the force upon the weight will bend the legs etc for this type of wood stove, so these are not approved for our certification, but X type of wood stove is considered safe because Y mounting is not affected like the facebook marketplace wood stove. Or because it can close off during driving preventing a rocket stove type of situation etc and has a door that is lockable preventing embers from falling out and is mounted to the wall via a welded rod to better hold it in place. People need to understand if they want these things, they need to go the extra mile to make it safe if they want to drive them on the road legally with insurance.

In my humble opinion this quote block is exactly why a true certification isn’t going to work the way you think it will. If I install a wood stove in my bus, in order to get it insured, I’d bet the insurance company would want more proof than just a certification that it was installed correctly. And they probably won’t take a DIY install either.

Keep in mind as well as we present our case to the insurance companies and have these meetings with them, it's a two way street, we can ask for crash statistic data from them as well to assist us with certification modifications if our certifications don't align with their data, what I don't want to happen is that we go to the insurance companies and ask for the data unprepared, and then they have the upper hand in negotiations and ultimately make the determinations of what we can and cannot have in our skoolies.

Meeting with the insurance companies is a fantastic step to take. Hopefully, it helps the community understand the hesitancy of an insurer to write policies for bus conversions. And yes, we can ask for their data, but they don’t have to give it. It’s a private company, so we can’t make them turn it over. What happens if they say no?

Example, I want to be able to go to them and say, while yes your data shows many claims being filed due to this non RV water heater caught the place on fire, it was due to improper ventilation ducts not being added and it over heats if you don't do X, but it's been proven that if we do X, it is safe to use and should be insurable. If builders come to you for insurance and have one of our certifications, you can rest assured this item has been taken care

What if they don’t keep records that specific? And what if they have only 8 claims that an improperly installed water heater was the root cause? What was installed incorrectly? If we can’t answer those questions, then the whole thing is moot. We can certify till we’re blue in the face, but I think the reality is that we are a relatively small fish in a giant ocean of drivers and vehicles.

And in my mind, I think a certification system like you describe is impractical.

You want to be able to certify a wide range of parts, from appliances to windows and everything in between, along with wood stoves and roof raises, across multiple and often very different host platforms, yet still allowing unlimited creativity, the ability to DIY, all while keeping costs low but not relying on any existing standards. Did I get that right?

Unfortunately, there’s no such thing as a free lunch.

If the above description was correct, which of those are you willing to compromise on?

The whole point of having standards is to make things easy for others to follow on and create similar situations to what’s described in the standards. In this case, we are trying to get people to build safer, and thus more incurable conversions. Is having 5 stove models to choose from, 7 windows, and 4 refrigerators helpful? I’d venture not.

But…

Would a document detailing the best practices to consider when choosing one of the above appliances, while providing examples at varying price points be helpful? I think 100% yes.

After reading through many of the comments regarding insurability, wood stoves, roof raises, decks, and even other certification threads, I think the thing that would help this community the most at this time is not an RVIA-style certification, but rather a voluntary ABYC-style standard that lays out best practices while including relevant portions of NFPA,NEC, and even CFR as applicable.

If someone follows the standards as outlined, then odds are, they will have a good chance of successfully insuring their build. Since it’s voluntary though, there is still the creative freedom to do as one pleases…just be willing to take the risk that you may not be able to insure your build if you deviate.

Further, setting up something like this will take months rather than years and could start impacting builders sooner, and if more conversions are being built to a better/higher standard, then I think the community as a whole wins.

Obviously, any certification or standard will not please all of the people all of the time, but I think a a voluntary standard of best practices is a good middle of the road solution.

Finally, while I have a slightly different idea, we both want to see more conversions get insurance more readily. To that end, we should start on the really important question of who gets to set the standard regardless of which proposal (cert, voluntary standards, or both) is moved forward.

As always, thoughts, questions, and criticism welcome! I know I certainly don’t have all the answers either!

JB
 
Who defines risk level? Insurance companies. They are going to look to hard data, and like it or not…the closest point of comparison to our bus conversions are RVs. There aren’t enough of us on the road to be more than a rounding error in their evaluations.

They don't define risk level, they only do so based on the data they have. We can update their data with our own data and reshape their risk level determinations. We'll have data they do not have. Their data is based on observation, not testing. A certification shows testing was done and proven which will be a better form of data that they would want to use to make their data more accurate. This is how the world works.

While I understand what you’re saying about not wanting RV data, why not utilize appliances that have already been approved for RV use? Insurance companies have already accepted that these can be used in all manner of RVs, so that works to our advantage.

There may very well be RV items that work fine on a bus but they may also not work very well on a bus. Are chances good they do? Likely because both are roaming vehicles but the bodies and jolts they create are slightly different. We will need testing and real world use case examples to go by. Part of this initiative is to observe and study why people have issues with things. We could easily just decide "Ah well it's good for RV use so let's just use it" but then are we really doing our due dilligence? A certification is going to be under a high scrutiny. It would be better to say to whoever asks "While this item was already approved and tested for RV use, it was also tested on skoolie use and proven to be safe." Which one sounds better to you?

Who is the “we” making the determination? And again, what are their qualifications? I am a certified marine electrician, diesel mechanic, and marine systems tech. Is that good enough, or are there other quals? There are people on this forum who probably have way more experience with busses than me, but not the credentials…does that mean they don’t know what they are talking about? Of course not, but from an outsider perspective (I.e. insurance companies), whose statement will likely carry more weight? Not saying it’s right, just that it’s the way it is.

"We" collectively here are the professionals who are best qualified to make the determinations. Maybe we aren't much. Maybe we're a rag tag group of individuals, but this is how these things are born friend. Credentials aren't given, they are created. We are creating our own credentials. We become better accredited by sticking to facts, doing real world testing, and our accuracy is what builds a name. Do you know anyone else better qualified to make these determinations anywhere in the world? We all need to get out of this mindset of having things handed to us by masters. A true master makes his own way as we're doing with this certification. A master can build off the back of others, but he also has to back away and not blindly follow a singular direction. Either get on board with that or please kindly move out of the way. The way forward is a certification for Skoolies. We can honestly say to an insurer, we are the worlds top professionals when it comes to bus conversions and it would not be a lie. There are no better people out there, and here is our data.

This is a lofty goal. Is it possible, sure. Is it probable? In my opinion, no. As Cadillac has stated, insurers want/need to make a profit. They will ALWAYS default to their internal stuff for guidance, cert or no cert.

I don't entirely disagree with this statement. Insurance companies would like to take on more vehicles, it's a money maker for them until it's not. If you can take a pool of people who are DIY'ers and suddenly increase their insurability by providing them a safe path and can show their builds are built to a certain safety standard through a verified certification, you'd be dumb to ignore that as an insurance company. I see them making more money as a result with less risk.

So in addition to testing all of the gizmos, gadgets, and whatsits galore, we are also looking to have an NTSB-style investigation team also? Hmm…

That's the idea yes. Maybe not quite as formal at first, but that would be one of the goals. Investigations. This would take time to fund, but some of us could do investigations like in Turf's example above with the fire truck conversion of a bus that crashed. There's nothing to stop me from calling up the police department retro actively and asking them what occurred and using that data. Assuming they know. I can then compile that data and adjust certification requirements as we see it needs to be.

Do we though? As far as I can tell, all we have is some anecdotal evidence provided by folks who, while having the best of intentions, are not doing any sort of testing that would stand up to scientific inquiry. And that’s what we would need. In order for an experiment to be valid, it must be easily and exactly reproducible. Any change in variables means it’s a new test and any results neither prove or disprove the result of the test it’s based on.

See comment above about experiments. Anyone want to volunteer their bus to be a crash test dummy?

Yes we do. At least as better than anyone else in the known world when it comes to Bus Conversions. We will do tests down the road but there's already been proven tests. The forum is littered with cases where things have failed for them. This isn't bad data. It may not contain the whole story, but it's enough to compile a list of tests that need to be performed. As the certification moves forward, if it gets funded enough we can have test buses to test such things under scrutiny for better data and over time improving the accuracy of the certification as all certifications do over time.

Of course nobody will want to donate their bus as a test dummy. But we could build a few test buses, and build them up as needed for testing.

In my humble opinion this quote block is exactly why a true certification isn’t going to work the way you think it will. If I install a wood stove in my bus, in order to get it insured, I’d bet the insurance company would want more proof than just a certification that it was installed correctly. And they probably won’t take a DIY install either.

I'm glad you stated this. They will get more proof than just the certification. I plan to have with everyone's certification, a process with a direct link for insurance companies to visit and view detailed images and pictures with attached statements with the inspectors showing why it's considered safe. Underwriters will be able to look directly at the thing in high detail with an explanation as to why it was certified giving them better assurance.


Meeting with the insurance companies is a fantastic step to take. Hopefully, it helps the community understand the hesitancy of an insurer to write policies for bus conversions. And yes, we can ask for their data, but they don’t have to give it. It’s a private company, so we can’t make them turn it over. What happens if they say no?

This is the plan. I wanted to have a more detailed setup made before approaching this step. However, a couple of wise bus professionals have swayed me to attempting this sooner rather than later.

For example:

Build the certification up as best as we could with as much data as we could to improve our arguments at any such meeting.

However it was brought to my attention that it could negatively affect our case during such meeting too if our data is way off from their observations. So we may attempt this sooner rather than later to ask them what they have observed that is spooking them so much. Then develop certifications around that. I kind of hate that idea though because this is a method of control insurance companies could exhibit over our creativity potentially which is of vital importance to us builders. It's like we say RV's are all the same. We don't fundamentally want that in the Skoolie world. I don't see why we can't have both a safety standard while maintaining maximum ability to be creative, and I believe it's important to do so.

I'd prefer we make the decisions of what we want, and best way to make it safe rather than let the insurers make that decision who aren't experts in the field and are only observers. As long as it's safe, and maximizes their profit margins it shouldn't matter for them.

What if they don’t keep records that specific? And what if they have only 8 claims that an improperly installed water heater was the root cause? What was installed incorrectly? If we can’t answer those questions, then the whole thing is moot. We can certify till we’re blue in the face, but I think the reality is that we are a relatively small fish in a giant ocean of drivers and vehicles.

They do keep records that specific. They read the coroners reports, police reports, they do their homework for accidents. They know.

As to the question in your example, was a water heater installed correctly? They may not know the answer to this. This is where our advantage is and strengths come in. Those of us professional builders who do know and are experts can comment on this and answer those questions for the insurance companies who can then make their data more accurate in turn. It's a win win for both sides. We can make it safer for all, they can make more profit with less risks, because if we require proper venting for water heaters in order to get certification there will be less fires as an example.

We're smaller but we're also growing. Housing prices are driving up the cost of living and many are turning to skoolies because RV's are also equally as unaffordable. Skoolies are the only option for many. A whole generation has been cut off to housing. Make no mistake we will be HUGE.

You want to be able to certify a wide range of parts, from appliances to windows and everything in between, along with wood stoves and roof raises, across multiple and often very different host platforms, yet still allowing unlimited creativity, the ability to DIY, all while keeping costs low but not relying on any existing standards. Did I get that right?

Yes, you got that right. Exactly. Now you get it!

If the above description was correct, which of those are you willing to compromise on?

The whole point of having standards is to make things easy for others to follow on and create similar situations to what’s described in the standards. In this case, we are trying to get people to build safer, and thus more incurable conversions. Is having 5 stove models to choose from, 7 windows, and 4 refrigerators helpful? I’d venture not.

The guidelines and books people will follow will make this easier. They won't have to scour the internet hoping to find howto's that are put out by random people. They won't be left wondering did I hook up that electrical right? They'll know because they followed the instructions set forth by the certification. They can be pointed towards the certification board, receive their guides to building a Skoolie properly. Yes some items will be a "Must do it this way", or "Do it your way as long as it has THIS done to it". That's exactly what a Standard for safety is. If they follow those then they can certify and insure their build more easily.

But…

Would a document detailing the best practices to consider when choosing one of the above appliances, while providing examples at varying price points be helpful? I think 100% yes.

If someone follows the standards as outlined, then odds are, they will have a good chance of successfully insuring their build. Since it’s voluntary though, there is still the creative freedom to do as one pleases…just be willing to take the risk that you may not be able to insure your build if you deviate.

Exactly this. Part of the certification plan is to have such documents detailing best practices. We do it already in this forum, literally for every person that comes here. Having a certification will be FAR less work than answering every single question for every single person for every single item of their bus. There will now be a standard we can simply point them to, and they can follow it or not. If not, then they are on their own for insurability. Use it or not, it's up to you.

Further, setting up something like this will take months rather than years and could start impacting builders sooner, and if more conversions are being built to a better/higher standard, then I think the community as a whole wins.

Obviously, any certification or standard will not please all of the people all of the time, but I think a a voluntary standard of best practices is a good middle of the road solution.

Finally, while I have a slightly different idea, we both want to see more conversions get insurance more readily. To that end, we should start on the really important question of who gets to set the standard regardless of which proposal (cert, voluntary standards, or both) is moved forward.

As always, thoughts, questions, and criticism welcome! I know I certainly don’t have all the answers either!

It'll take what it will take in time. Better if it comes out sooner rather than later for sure, but we don't want to rush it either as that can have fatal consequences to the project and potentially lives. It will take time to develop this. I will devote as much free time as I can to this, and others will as well. I've had offers already private messaging me by professional builders wanting to participate. I'll coordinate and task them with items we need to be developed and they can help in those ways. Expect a list of tasks we need filled to be posted here soon.

"We" all collectively will set the standard. My thoughts are we gather what info we have, see where we're lacking and go from there. Some items are well known already, some not so much. We need to start the task of gathering what collective information we have currently to get a clearer picture of what we need still. Fine tune the items we have. Then once we have more of a complete picture, put those items to scruitiny. Requiring testing. Some may be willing to do certain tests and can volunteer. There will be standards for recording the tests, it's not gonna be like "Hey Joe, how did that turn out for you" It will be recorded video of the tests with detailed steps taken to create the tests, what items, parts were used etc. Devil is in the details.

And thanks for the comments. They are appreciated!
 
@chris - the harris admin is talking building 3 million new houses. wouldnt it be cool if some tiny house communities start popping up?


I would love to see this.. something in europe that has taken off is container repurposing into homes.. ive only seen a little bit of it here in the states.. but containers seem to be a good way to get shelter going right away.. they last virtually forever and the interior could be spray foamed and built out..



the hardest part seems to be creating a Community vs just rows of houses.. if you built a true sense of community, you could have true composting for those that want composting toilets, build it in the right asrea and you could have communal solar for part of the electricity, a community vegetable garden, etc. but the hardest part is getting the residents involved and on-board.. I have no doubt if you tapped into the majority of people on this board that they would be into the idea.. but could you find enough in the general public.. something so it could be more than just free standing apartments..



I got into a long discussion a couple years ago with one of my neighbors (who has sense moved away).. we laughed that in ohio summers (which are generally mild compared to a lot of the US).. that we are the only 2 houses in the subdivision that ever open the windows.. she always sat on her porch all the time (one of my regrets is my house lacks a true front porch)...



she talked that when she was young the sense of community and neighbors being friends was enhanced because everyone sat on their porches in summer.. even though people in the late 50s started getting A/C, they didnt use it every single day.. and it might just be a window unit in the bedroom.. people were outside a LOT more so it was natural as you walked or mowed the yard or washed the car to say hi and get to know the neighbors.. she talked of it fondly.. I grew up in a middle class neighborhood of new homes built in the mid and lte 60s (I was born in 68).. even in that nice area only 60% of the houses has central air.. and most all had porches... I remember as time went on more and more of the homes installed A/C and you never saw the people again.. mom and a lady "mrs byers" always sat on her porch and drank iced tea at least 3 times a week.. on the hottest of days they might come to our house and sit inside (it had to be really hot)..



one year mrs byers got air conditioning.. and you never saw her on her porch again..



fast forward to now.. you never see anyone out anymore.. they are all inside their overly air-conditioned bubbles...



to the point that a newer neighbor across the street asked me when I was getting out my truck one day (it was in the 90s out) if i needed any fans or a portable A/C to "get me by until my A/C was fixed"... - my A/C works just fine .. it was just off... thats the only time ive ever seen or heard from her other than seeing her get in the car and go away..



so could a community tiny house village truly be a community? or would everyone stay in their little bubble? or would it turn into a dumpy trailer park? .. I could only wish it would be community-driven,
 
I would love to see this.. something in europe that has taken off is container repurposing into homes.. ive only seen a little bit of it here in the states.. but containers seem to be a good way to get shelter going right away.. they last virtually forever and the interior could be spray foamed and built out..



the hardest part seems to be creating a Community vs just rows of houses.. if you built a true sense of community, you could have true composting for those that want composting toilets, build it in the right asrea and you could have communal solar for part of the electricity, a community vegetable garden, etc. but the hardest part is getting the residents involved and on-board.. I have no doubt if you tapped into the majority of people on this board that they would be into the idea.. but could you find enough in the general public.. something so it could be more than just free standing apartments..



I got into a long discussion a couple years ago with one of my neighbors (who has sense moved away).. we laughed that in ohio summers (which are generally mild compared to a lot of the US).. that we are the only 2 houses in the subdivision that ever open the windows.. she always sat on her porch all the time (one of my regrets is my house lacks a true front porch)...



she talked that when she was young the sense of community and neighbors being friends was enhanced because everyone sat on their porches in summer.. even though people in the late 50s started getting A/C, they didnt use it every single day.. and it might just be a window unit in the bedroom.. people were outside a LOT more so it was natural as you walked or mowed the yard or washed the car to say hi and get to know the neighbors.. she talked of it fondly.. I grew up in a middle class neighborhood of new homes built in the mid and lte 60s (I was born in 68).. even in that nice area only 60% of the houses has central air.. and most all had porches... I remember as time went on more and more of the homes installed A/C and you never saw the people again.. mom and a lady "mrs byers" always sat on her porch and drank iced tea at least 3 times a week.. on the hottest of days they might come to our house and sit inside (it had to be really hot)..



one year mrs byers got air conditioning.. and you never saw her on her porch again..



fast forward to now.. you never see anyone out anymore.. they are all inside their overly air-conditioned bubbles...



to the point that a newer neighbor across the street asked me when I was getting out my truck one day (it was in the 90s out) if i needed any fans or a portable A/C to "get me by until my A/C was fixed"... - my A/C works just fine .. it was just off... thats the only time ive ever seen or heard from her other than seeing her get in the car and go away..



so could a community tiny house village truly be a community? or would everyone stay in their little bubble? or would it turn into a dumpy trailer park? .. I could only wish it would be community-driven,

My city has a new tiny house neighborhood opened up downtown. I'll try to get a pic.
They're actual small houses not trailers or anything converted. I like them.
Its all done by a group that helps at-risk youths who've aged out of foster care.
 
Last edited:

Try RV LIFE Pro Free for 7 Days

  • New Ad-Free experience on this RV LIFE Community.
  • Plan the best RV Safe travel with RV LIFE Trip Wizard.
  • Navigate with our RV Safe GPS mobile app.
  • and much more...
Try RV LIFE Pro Today
Back
Top