Jesse's CornerOutdoor Life Starts Here

American Family Insurance Claim?

We lost our 1997 Nomad travel trailer, M2610, bunkhouse, in EXCELLENT condition, due to flooding of the Kishwaukee River in Illinois in Dec.
Our insurance company, American Family, says they only pay the NADA value, but I can’t replace it with a similar one for that, can anyone advise, do I have to settle for what they are offering?
We LOVED our camper, and camped EVERY weekend, it just doesn’t seem fair. They are offering $5705.94 minus our 250.00 deductible.
Does this seem reasonable? Please tell me my options.
The price they are offering also includes the sales tax & licensing of $310.31, so…actually they are only offing us $5145.63.
RE: UWISH, no, I wasn’t expecting them to purchase us a “new” camper, was just thinking that they should pay out enough to buy one of the same year, quality & condition.

Unless you had a policy with a full replacement rider, you are out of luck. They are only obligated to pay you the actual value of the trailer. How much you paid for it, how much it would cost to replace it, or how much you think it’s worth doesn’t matter.

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