Insurance Company

[paulitzlee2]

My insurance company is State Farm.

My 2006 FF X139 has some leak damage on the roof. About 2-3K worth.

I discovered it last November, and used it last summer, so it's not something I noticed and ignored.

Do most trailer policies cover something like this?

I can ask my agent, but I remember once I called to just ASK A QUESTION and they noted it in my file, the dirty scoundrels. So I don't know if I can trust them.

Also, would something like this raise your premiums?

If the repair was done under an insurance claim, it would be more, since the hourly rate is higher and they would probably do more extensive work, since insurance adjusters may be more picky than me, who just wants the basic fix.

Of course, they might total it out, since the trailer is worth 10K max.

What do you think?

[LJAZ]

Actually, making a note of something might not necessarily be a bad thing. If it's something that turns out to be a problem later you have a record that you reported it.

I would think this type of damage should be covered - but it all depends on what's written in your policy. What is your deductible? Will it be covered for full cost or depreciated cost? etc. There are probably as many variations as there are insurance companies.

And typically I'd think this should not be the type of claim that would raise your premium.

Not very likely they would declare it a total loss when the repair value is well below the value of the trailer.

Before you call them however, get out your policy and read the fine print. That way you'll know your rights before you report the claim and you'll know if they are being honest with you or not.

After all - this is one reason you buy insurance in the first place. If you really don't trust them though, shop around. There's a lot of other places to get insurance. You should do business with someone you DO trust.