Tag Archives: stolen cargo trailer

Tool Time

The past week here at Mission Bay RV Resort was interesting. Last week, the park began to fill up. By Thanksgiving Day, the park was nearly full. There were more RVs and kids in the park than we’ve seen since we first arrived here September 20th.

I had no idea so many people would spend Thanksgiving with their families in an RV park. On one side of our site, a family of four moved in with a travel trailer. The two kids were elementary school age. They bicycled every day together around the area. They smoked a turkey over charcoal in a Weber grill on Thanksgiving Day.

On the other side of our site was another trailer. It was occupied by an older couple with their dogs. They erected a wire enclosure around their site so they could let the dogs out without worry of them running off. The park was mostly occupied by families and it seems like they all brought dogs. The mornings were noisier than usual.

Last Saturday, people began packing up and pulling out. By Sunday evening, the park was nearly empty. We have four open sites on either side of our coach now. The sites behind us and directly in front of us are empty. There are more people leaving the park than arriving. Those who arrive seem to be using the park as a stopping point in their travels and only stay one night.

We’re beginning to plan our exit. Nothing is cast in stone, but we may move out of here on the 21st and stay somewhere else in the area until the 26th. Then we’ll head east and spend some time on the Arizona side of the Colorado River.

Yesterday I cut the drawer liners for my tool box to size and installed them. Once that task was completed, I started organizing my tools. I took a few pictures showing my handy work from the day before.

The wheel chock for the scooter front wheel

The wheel chock for the scooter front wheel

Tie down fixture for the scooter

Tie down fixture for the scooter

Toolbox and tie downs

Toolbox and tie downs

Plastic chair sliders screwed to the floor to hold the tool box in place

Plastic chair sliders screwed to the floor to hold the tool box in place

Drawer lined a tools in place

Drawer lined and tools in place

I have about 10% of the tools that I had prior to the theft. I have the basics covered. If I need special tools down the road, I’ll buy them as needed. My insurance claim is settled. The insurance reimbursed approximately 64% of the dollar value of our loss.

Read your policy carefully and pay attention to the definitions. In our case, replacement cost didn’t mean what it costs to buy a new trailer. It’s a hypothetical replacement cost. What the adjuster did was call a few trailer dealers and describe our trailer. Then he asked them how much they would sell it for. Of course, the trailer dealers say they would have to sell it for less than the new trailers they sell. They establish a hypothetical  price and that’s the replacement value. It doesn’t matter that the hypothetical trailer doesn’t exist. They pay that amount, even though I couldn’t find a six- month old trailer in excellent condition for that price if I tried. I’m just glad the insurance hassle is over. It was a real learning experience.

I heard a few rain drops overnight. This morning is partly cloudy and cool. I don’t expect the temperature to be much over 60 today. Low pressure to the northeast of us has the jet stream dipping down to southern California, bringing cool air from Alaska. This is likely to continue through the weekend before we warm up again next week.

Today I’ll run a few errands. Donna has a lunch meeting with her sister, Sheila, to discuss a brochure for her business. I plan to set up my amp and practice guitar this afternoon. Donna likes that idea because she’s planning to do some hoopdancing.

 

 

 

 

 

Insurance Claim

Sometimes we think no news is good news. I’ve been waiting for a few days to learn how the insurance company will handle the theft of my trailer. No news wasn’t good news. After I filed my claim, the claims adjuster phoned me on Tuesday. Her name is Nicky, she told me she needed to gather more information and would get back to me.

I was a little uneasy. I have an irrational distrust of insurance companies and the uncertainty was frustrating. I was polite and patient with her on the phone. She was the one who could help me and being a demanding customer wouldn’t help my situation. We agreed to talk again on Wednesday afternoon after she verified the facts.

We talked again on Wednesday. Her office is in California, my insurance policy was underwritten in South Dakota. She apologized for the delay, but said she needed more information from the state of South Dakota before she could determine how to apply the coverage.  She said she would get back to me on Thursday. I was feeling like she was looking for a way out of the claim, but I stayed cool, thanked her for her diligence and told her I looked forward to hearing from her.

Yesterday, Nicky called me in the afternoon. She told me she verified how the coverage would apply and had the necessary forms from South Dakota. With some restrictions, replacement of my trailer and contents will be covered. One of the restrictions is the maximum amount applied for any single item in the trailer. The maximum they will pay for a single item is $500. I had a few things in there worth more than that like my shotguns. I’ll do what she told me which is to list the actual value of those. For example, if I list the SKB over/under double barrel shotgun at $X,XXX, I will receive $500 for it.

She advised me to itemize as much as possible. For example, I shouldn’t list assorted hand tools as a single item valued at $X,XXX. I should itemize the individual tools. That way I can be reimbursed for my actual loss without hitting the $500 restriction.

She was really helpful and I felt like she was on my side. Today she will e-mail me the necessary forms, then follow up with a phone call to go over them with me. She wants to ensure that I understand the forms and fill them out correctly to avoid any further delays.

Most of you are probably naturally polite and patient. I try to be, but sometimes I feel like I need to drive an issue. In this case, I feel that being polite and patient with Nicky helped. Maybe she treats every case this way, but I really think she wanted to help me get the most out of the coverage I paid for. This life of retirement might be mellowing me out!

This weekend I will go online to find the value of the items we lost. We’ll complete the forms, then we can start shopping for a new trailer. I won’t be able to replace everything, but this is about the best outcome I could have hoped for.

I know some RVers insure their RVs as if it was another car on their policy. Don’t do this. Read your policy carefully. I’m glad we purchased a Progressive  full-time RV insurance policy with contents coverage and a rider for the trailer.

Today, the sun is shining and the skies are blue. When Donna returns from her exercise class, I’ll go for a bike ride. After lunch, we’ll scooter over to Shelter Island to visit Mark and Emily Fagan on their boat at the Kona Kai marina. They have been full-time RVers and sailboat cruisers since 2007. Their web site is roadslesstraveled.us.