AVOIDING THE DOUBLE WHAMMY


Losing your RV, your home-away-from-home is a terrible thought. Not being able to replace it in its entirety because of poor record keeping is even worse. How can you ensure that you can maximize your payout if the unthinkable happens? Here’s a few solid tips to incorporate:

  1. A picture is worth a thousand words. Your best friend is your phone in this case. Take pictures, a lot of them, of your RV from every angle, inside and out, from far and near. Every time you improve your vehicle, or purchase an item for it, take a picture. Your pictures will serve as your memory if and when you suffer from a loss, especially if it is a total loss claim.
  2. Keep great records. When you customize your RV, retain all receipts and build sheets associated with those modifications. How can you do this in the digital age? Check out this blog page (https://www.handshake.com/blog/receipt-tracking-apps) to investigate the different options for digital receipt apps. In addition, consider stashing your paper receipts off-site for backup (with a trusted relative, permanent location, or safety deposit box).
  3. Know what you did and when you did it. Keep track of ongoing maintenance of your vehicle so that you can prove that the vehicle was well-cared for. This is essential in the case of partial or total loss of your vehicle.
  4. Keep your agent “in the know.” Keep your agent updated of expected or unexpected changes such as mailing addresses, contact information and changes in usage along with state of garaging or type of storage you are using. That will cut back on any surprises if a claim arises.
  5. Take an inventory. Document your personal items (cameras, jewelry, etc.) and make sure they are included on your policy.
  6. Review and refine. The only thing that is constant is change! Check on the value of your vehicle on an actual cash value policy on a regular basis so that you can gauge what it would look like in the case of a total loss claim.

Questions? We are here for you. Contact your RIS agent for a quote on coverage, upgrading your existing coverage, or choosing a value-added policy.

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