When we got our insurance from National Interstate we paid $9.00 extra for "awning" coverage.
Recently when pulling into a campsite a tree jumped out and took a nibble on one of our slide-out toppers. A number of pinholes along the topper and some of the plastic components on one end were scratched and one broken (topper still works).
So I decided to check if the insurance would cover this. The definitions in the policy do not specify which awning(s) are covered - I suppose that could go either way. And it's not clear whether the collision or comp deductible would apply. IMO it would be covered but not under the awning clause and it would fall into one of the deductibles. So I'll replace what needs to be replaced and patch the pinholes with clear vinyl tape since total cost either way is under the deductible level.
But what I thought you'd find funny is that when the insurance agent couldn't answer my question she referred me to NI Customer Service. They referred me to Claims who said they're not licensed to provide that information - I'd need to file a claim and the insurance adjuster would review and advise. It reminded me of an old Abbott & Costello routine.
It's definitely not the service I get from State Farm.
Hope you're enjoying the summer!!
Recently when pulling into a campsite a tree jumped out and took a nibble on one of our slide-out toppers. A number of pinholes along the topper and some of the plastic components on one end were scratched and one broken (topper still works).
So I decided to check if the insurance would cover this. The definitions in the policy do not specify which awning(s) are covered - I suppose that could go either way. And it's not clear whether the collision or comp deductible would apply. IMO it would be covered but not under the awning clause and it would fall into one of the deductibles. So I'll replace what needs to be replaced and patch the pinholes with clear vinyl tape since total cost either way is under the deductible level.
But what I thought you'd find funny is that when the insurance agent couldn't answer my question she referred me to NI Customer Service. They referred me to Claims who said they're not licensed to provide that information - I'd need to file a claim and the insurance adjuster would review and advise. It reminded me of an old Abbott & Costello routine.
It's definitely not the service I get from State Farm.
Hope you're enjoying the summer!!