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Question Of The Week

Truck Camper Insurance Claim Stories

Car accidents.  Deer strikes.  Wind damage.  Water damage.  Theft.  Fire.  Tire blow outs.  Huge potholes.  Freak hail storms.  The following are true stories of truck camper disasters, insurance claims and what happened next.

This week’s Question of the Week was, “If you have filed an insurance claim for your truck camper, please tell us about that experience.”

“I needed a tow when my truck suddenly died on the road. Geico dispatched a tow truck, and then called back to say that we would need to demount the camper for the tow truck. I reminded them of our separate policy covering the camper, and they apologized. It is very important to have the same company cover both the truck and the camper.” – Chuck Webb, 2012 Ford F350, 2015 Alaskan 8.5

“My truck and camper were stolen. The truck was abandoned; undamaged and nearby. The camper’s insurance agent mentioned that six campers were stolen within two weeks. They were professional thieves who had targeted specific campers.

My policy covered an equivalent camper, but the agent could only find a used camper of the same manufacturer and year. Except the replacement camper didn’t have a shower stall. It was an 810W model.

I had to pay a few hundred dollars above the maximum policy coverage to have a shower installed in the 810W. The roof had to be lifted to drop the shower unit in. I was pleased with the results. The insurance agent was excellent. The camper was sold after 18-years.” – Vic Smith, 1981 Ford F250, 1981 Vanguard 810SW

“We had an accident that bent our rear axle. It also split the driver’s side camper anchor to secure the camper to my truck due to wood rot. Our insurance totaled the camper and paid me for it. They also replaced the rear axle, installed a new rear brake system, and four new tires. I’m happy with my California Casualty!” – Dave Tester, 2004 GMC Sierra 3500, 2005 Lance 1130

“I was camping under big pine trees and a storm came up early in the morning. A limb hit the roof, poked a hole in it, and destroyed the air conditioner cover. I filed a claim with the insurance company and they paid it. My insurance company is Nationwide.” – Jeff Hagberg, 2002 Ford F-250, 2006 Travel Lite 800SBX

“I damaged my former camper, a Northstar Laredo, when I got into a deep pothole. I bought the camper used and it came with a low-mounted rear porch installed by the previous owner.

When I went into the deep pothole the porch bottomed out forcing the camper up.  This pulled the camper tie-down attachment plates down and the camper became loose on the bed.  It was a pretty dramatic episode.

I was insured by Geico at the time and they were pretty good about paying the claim. The camper was totaled, so I made them an offer for salvage value ($600 as I recall). I had the camper repaired and sold it prior to buying my new Northern Lite. I was very clear about the damage and repairs to the new owner.” – Gregory Parker, 2012 Chevy Silverado, 2017 Northern Lite 8-11

“We had a hail storm a few years ago. It really beat up the roof of our 2008 Northstar TC650. The insurance company decided to total it.

They wouldn’t believe me when I told them what the value should be until they called Northstar to have it verified. They ended up paying more than I expected.

I bought it back for $2,000 and used it for a couple more years. Then I traded it for a new one and still got full value out of the trade. We came out very well in the deal.

We have Grinnell Mutual insurance for the truck and the camper for a very reasonable yearly premium.” – Allen R Brummel, 2013 Ram 2500, 2016 Northstar 650SC

“I filed a claim with State Farm for tornado damage for my fifth wheel trailer. Their coverage was great, and they fully paid for the totaled trailer. My truck camper was in a garage and not damaged. Now we only have a camper which is covered as a rider on our truck policy for a very low fee.” – Bill Hansen, 2013 Ram 3500, 2007 Arctic Fox 990

“We attended Frontier Days in Cheyenne, Wyoming this summer. We left the camper and truck at a friend’s home. While we at the event, hail hit the truck and camper hard. The bathroom vent cover was destroyed. The rest of the camper came through fine.

We drove 50-miles south to get a HD vent cover and borrowed our friend’s tall step ladder to replace the cover. We could not get a dealer service appointment at the height of summer.

The truck sustained $3,400 worth of hail damage. State Farm handled the claim professionally and fast. They even made sure that I got an estimate to replace the vent cover with labor so that I would be paid for my time. The truck and camper were covered under one claim so we were not hit with two deductibles.

Our car had $6,500 worth of damage from the same storm. One huge lesson we learned was to get a quality product shop to fix the hail damage. I didn’t recognize 90-percent of the damage.” – Mark Harrison, 2005 Dodge 2500, 2017 Northern Lite 10.2 EXCD

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