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Old 06-21-2012, 01:36 PM   #1
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:lightning:Trailer Insurance

I thought I would remind people to look at their insurance policies, especially for flood coverage. It’s probably more important for those who have season sites and do not pull their rig.

Here is a little story. Two friends of ours have season sites. One is on a flood plain and moves his rig every fall to high ground as spring thaws typically flood the campground. In twelve years he had only need to pull out once late in the fall right before they normally pull out, until this year. He has already pulled out twice this year and again he has to move out before the weekend as they expect the road to be under Sunday afternoon. He has never had an insurance issue (yet), but he has always got his rig out in time. My co-work yesterday just had her 1 year old rig flooded out. The trailer is parked 30 miles or south of Duluth MN, which got 9” of rain less than two days ago. They got a call at 1 pm form the campground that the water was rising (from a small river) and was at the trailer already. When they got up there the water was right at the floor level and no way to get it out as the road was even deeper. She found out this morning because she has “RV” insurance, (I am not sure what that is) she is not covered for floods. The attached picture below is not of her rig, but her neighbor’s rig. They took the picture when they got to the campground, and it is on higher ground. She stated that when they left for the evening water was already above the ankles inside that trailer. They do not expect the water to crest for another couple days.

Moral of the story, please check that you have the right insurance coverage. I checked my coverage this morning and I am covered for floods and other natural disasters.
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Old 06-21-2012, 04:37 PM   #2
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Here is another picture from MPR
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Old 06-21-2012, 10:43 PM   #3
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Ouch...sure hate to see that happen.
2009 Jayco 26BH
2004 Chevy Silverado 1500
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Old 06-22-2012, 10:21 PM   #4
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Very sad.
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