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 Serious Snap Trapper
Posts: 4275
  
Location: In The Snow, AZ | I'm sure a lot of you have experience with this, but it's a first for us. We have a Lakota LQ trailer, less than a year old. It's insured. It has under 2000 miles on the tires. Still have the little nubs. I believe one was possibly defective. We had a blow out this weekend that ripped off the fender, punctured and dented the siding. Damage to interior foam in a few small (1" areas) spots. Scratches all over. Ripped out wiring. Bent up the framing on a drop down window.
I contacted insurance and although the trailer hasn't been seen by anyone yet, the agent said they typically just patch the punctures. Is that normal? We love this trailer and have been meticulous with how we care for it. It hasn't had a scratch on it. So shouldn't a fully covered trailer get full repair? I'm not sure how one would patch aluminum skin in a way that it would look brand new still? And as far as the window goes, they need to replace it, right? Not just bend it back out? They don't even cover the blown tire. Would love to hear experiences as I am super bummed about the state of my trailer. |
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 Bulls Eye
Posts: 6443
 
Location: Oklahoma | I would contact Lakota and get a quote from them on what the trailer part would cost to fix and then do the same with the LQ company
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 Take a Picture
Posts: 12841
| That does not sound correct. Get an adjuster out to look at it. If you have the trailer financed you might have to call the finance company to get the insurance company jacked up a little. Finance companies do not want to take a trailer back because insurance won't pay for major damages. |
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Elite Veteran
Posts: 788
| That's crazy!! I would definitely call Lakota and see what they have to say. Maybe they can help guide you some. "Patching" doesn't sound good at all! |
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 Elite Veteran
Posts: 716
Location: who knows? | What kind of tires are on the trailer? I had one blow and GoodYear warrentied the tire. I could have went after them for the claim of the trailer, but didn't want the hassel. |
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 Elite Veteran
Posts: 695
Location: Missouri | I had a trailer claim years ago and my insurance had me get quotes for places and they paid less my deductible ! Since mine was not that old I got one from trailer manifacture and then I had 2 from RV places that did body repair. All were pretty close but I chose the manufacture and it looked just like new- they replaced the full sheets of the aluminum on the sides - nothing looked patched.
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Elite Veteran
Posts: 863
| What load range tires are you using if you don't mind me asking? I've heard nothing but nightmares with people having Lakota blowouts. I was told you need to specify to Lakota now when you order you want G or H range tires not E? |
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 Elite Veteran
Posts: 1182
Location: Do I hear Banjos? | We just had hail damage repaired on our Lakota that was less than a year old when the storm hit it. We got a quote from NRS in Decatur as they have a good shop. Our insurance didn't bat an eye...just paid the quote for the damage. They do not patch anything....they replace any side panels that need it and any part that might be damaged right down to the sewer vent cover on the roof. Any side panels that had a ding from hail they replace and re-do all the graphics etc. I sure do not think patching is right.
Lakota is great to work with as well. We had NRS install a flip up step on the escape door while they had it...we called Lakota and they shipped the step to NRS for us. Easy peasey.
Who is your insurance with? A lot of times the insurance companies just don't know alot about these newer LQ trailers with the aluminum skin etc.
It may be you hit something on the road that caused the tire to blow...but look at the numbers on the tire and you can figure out the date of manufacture. New trailer doesn't mean those tires didn't sit on a shelf a long time before use. Doesn't hurt to know their age.
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | The insurance is thru American National Property & Casualty. It was recommended by the dealer we bought from and had the best premium and deductible. But I'm sure we will be changing once its due.
My husband spoke with the agent again this morning as we realized it looks as if the axle is bent. She is now saying they will hire an adjuster to come look at it, and if the adjuster says the axle could have possibly been bent prior to the blow out, they will not cover any damage...???? Why do we have insurance? The trailer is only lightly used, I have no doubt that it wasn't bent prior. But even if it was, isn't that why we have the insurance? Hubby is going to call Lakota when he gets off work and see what's going on. I'm not sure what the tires are rated, it's whatever they came with. I'll have to go look. But they are Towmax which we are now reading are complete crap. |
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Expert
Posts: 1314
Location: North Central Iowa Land of white frozen grass | Never ever put Chinese made trailer tires on anything. I bought a brand new goose neck flat bed trailer and loaded my skidloader on it. Was not even close to the rated weight for the trailer. 3 of the tires never made the first 100 miles and the tread came off of the tires and they blew out.. I have always had better luck with Light truck tires. A lot more liability at stake for a tire manufacturer when a tire is on a persons vehicle than when its just on a trailer when it blows out. |
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Elite Veteran
Posts: 695
Location: Missouri | Make sure your husband is thier when the adjuster comes out. Don't stress. I hope it all goes smoothly for ya |
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Married to a Louie Lover
Posts: 3303
| If the place you bought it from also does repair it might not hurt to call them, have them get you a quote and also let them know the insurance company THEY recommended is giving you the run around. I'd probably call them even if they don't do repairs and let them know you aren't happy with their recommendation, if they have a deal with the insurance company to recommend them it might light a fire under them to make some phone calls.
I wasn't given a tire option when we bought our Lakota, even though I pointed out I felt they were too light. We hauled all last summer with them just fine but plan to replace them as soon as we can after we put new rubber on the dually. Nice to know you can go heavier now. |
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | Bingo, do you have any (hopefully good!) news yet? |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | None yet :/
We have to wait for the adjuster to come out, hopefully early next week. Also have an appt to take it up to the guy who will hopefully be fixing it to get an estimate. Since the tire isn't covered by insurance, we thankfully have a warranty on the tire and are attempting to go thru them. The tire had to be taken up for inspection, and although they HAVE agreed to cover it, they're stating it's out of good faith. But that they believe the trailer was overloaded for this rating of tire. I was hauling two horses. But it's a 10 ply tire with load rate E. I'm not a big tire guru, and I'm sure these aren't some amazing tires, but shouldn't they be sufficient being as how they came stock? The lady said she highly encourages us to replace all of them because there's likely separation to some degree on all of them, and they won't cover it again.
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Elite Veteran
Posts: 682
Location: Northwest | ~BINGO~ - 2017-03-30 8:25 AM
None yet :/
We have to wait for the adjuster to come out, hopefully early next week. Also have an appt to take it up to the guy who will hopefully be fixing it to get an estimate. Since the tire isn't covered by insurance, we thankfully have a warranty on the tire and are attempting to go thru them. The tire had to be taken up for inspection, and although they HAVE agreed to cover it, they're stating it's out of good faith. But that they believe the trailer was overloaded for this rating of tire. I was hauling two horses. But it's a 10 ply tire with load rate E. I'm not a big tire guru, and I'm sure these aren't some amazing tires, but shouldn't they be sufficient being as how they came stock? The lady said she highly encourages us to replace all of them because there's likely separation to some degree on all of them, and they won't cover it again.
Do you know what brand of tire that was? I'm trailer tire shopping, and now you have me worried! |
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Take a Picture
Posts: 12841
| ~BINGO~ - 2017-03-30 10:25 AM
None yet :/
We have to wait for the adjuster to come out, hopefully early next week. Also have an appt to take it up to the guy who will hopefully be fixing it to get an estimate. Since the tire isn't covered by insurance, we thankfully have a warranty on the tire and are attempting to go thru them. The tire had to be taken up for inspection, and although they HAVE agreed to cover it, they're stating it's out of good faith. But that they believe the trailer was overloaded for this rating of tire. I was hauling two horses. But it's a 10 ply tire with load rate E. I'm not a big tire guru, and I'm sure these aren't some amazing tires, but shouldn't they be sufficient being as how they came stock? The lady said she highly encourages us to replace all of them because there's likely separation to some degree on all of them, and they won't cover it again.
Get tire brand and tire name and check for a recall on the tire. I had a blowout on my truck, demolished the side. That night on the news a recall on BF Goodrich tires was mentioned. I checked and the recall included the model of my tire. There were several lawsuits against BF Goodrich. There is a number that will tell you when the tire was manufactured (which you need to check anyway) Sometimes places get deals on old tires. I will try to find a link on the date for you. |
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Take a Picture
Posts: 12841
| streakysox - 2017-03-30 3:35 PM
~BINGO~ - 2017-03-30 10:25 AM
None yet :/
We have to wait for the adjuster to come out, hopefully early next week. Also have an appt to take it up to the guy who will hopefully be fixing it to get an estimate. Since the tire isn't covered by insurance, we thankfully have a warranty on the tire and are attempting to go thru them. The tire had to be taken up for inspection, and although they HAVE agreed to cover it, they're stating it's out of good faith. But that they believe the trailer was overloaded for this rating of tire. I was hauling two horses. But it's a 10 ply tire with load rate E. I'm not a big tire guru, and I'm sure these aren't some amazing tires, but shouldn't they be sufficient being as how they came stock? The lady said she highly encourages us to replace all of them because there's likely separation to some degree on all of them, and they won't cover it again.
Get tire brand and tire name and check for a recall on the tire. I had a blowout on my truck, demolished the side. That night on the news a recall on BF Goodrich tires was mentioned. I checked and the recall included the model of my tire. There were several lawsuits against BF Goodrich. There is a number that will tell you when the tire was manufactured (which you need to check anyway ) Sometimes places get deals on old tires. I will try to find a link on the date for you.
https://www.tirebuyer.com/education/how-to-determine-the-age-of-your...
Here you go!!!!
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 Expert
Posts: 3815
Location: The best kept secret in TX | Replace all tires. Nothing made in China, Japan, Etc.
If you have a Discount Tire Company close try and go through them as they warranty all tires and will rotate, mount and balance for free., As long as you keep up with the rotations through them they will cover the tires in the event of a blowout, a flat tire, etc. They have mobile trucks that can come to you should you have a flat and need a repair on one of their tires.
You need to get an estimate on the repair cost from Lakota and present this to your insurance company.
If they refuse to pay, have the trailer fixed anyway and hire an insurance attorney.
Have the attorney go after them for cost and they will usually settle outside of court.
Also, get Lakota to look at the Axle. If the Axle is bent it needs to be determined if the blow out caused the bent axle or if the bent axle cause the blowout.
If the axle caused the blowout, Lakota needs to pay for a new axle.
If the tire caused the bent axle, the tire company needs to pay.
Once all of this is settled, GET A NEW TRAILER INSURER!!! Lol  |
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Expert
Posts: 1956
Location: Ky | This is an insurance issue. Not a Lakota issue. But I would want Lakota to do the repairs and put back like it was.
The insurance should pay for all damages minus the deductable. Except for the tire. The insurance will not pay for the tire. You shouldn't have to fight them over this but if you do then just fight them. I've heard many bad stories about ANICO. But they still have to pay for covered losses. Don't let them bully you. I would even tell them you need a trailer while this one is out of service. Replacement should be covered in your policy. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | They are Towmax tires. I highly recommend them. 
This was supposed to be a quote for whomever asked the brand.... didn't work.
Edited by ~BINGO~ 2017-03-30 8:05 PM
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Elite Veteran
Posts: 695
Location: Missouri | You insurance should paid to have it hauled to Lakota. My brother had a bloomer and wanted them to do repairs his insurance paid mileage to have pulled from
Tennessee to Texas |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | And back again? |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | It actually wouldn't be a good idea to have it hauled that far as we think our axle is possibly bent as well. Plus, the last thing this trailer needs is more miles on the tires. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-30 7:48 PM I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not. We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders. The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even. We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
Do you have your policy to see if a replacement is excluded? If not, ask the insurance to send you a copy. I'm sure it's possible that it could have been written without that but doubtful it was.
As for sending the trailer to Lakota, they could send it on a trailer so that possibly bent axle wouldn't be an issue. Personally, I would want the builder to do the repairs. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-30 8:04 PM They are Towmax tires. I highly recommend them. This was supposed to be a quote for whomever asked the brand.... didn't work.
Very good tires. They are made by Goodyear. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included.
Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | jd&ez - 2017-03-31 1:21 PM
~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included.
Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
So basically you're saying since it's not in or out that's it's disputable? But how would you go about that? I would love to have a loner trailer while this one is out of order. |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | ~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor! |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | Chandler's Mom - 2017-03-31 6:17 PM
~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor!
Thank you so much! I truly hope we can have the same experience! I know our damage is minimal compared to a lot of claims that are placed, but it is depressing to look at our trailer. It has been a great source of happiness and adventure for us.... |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | ~BINGO~ - 2017-03-31 8:58 PM
Chandler's Mom - 2017-03-31 6:17 PM
~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor!
Thank you so much! I truly hope we can have the same experience! I know our damage is minimal compared to a lot of claims that are placed, but it is depressing to look at our trailer. It has been a great source of happiness and adventure for us....
Our trailer was 9 years old when we got it, and I still almost cried when the first blowout we had damaged the fender pretty good. We really try to take care of our new and new-to-us things, so I totally understand how you feel! |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-31 6:31 PM jd&ez - 2017-03-31 1:21 PM ~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included. Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
So basically you're saying since it's not in or out that's it's disputable? But how would you go about that? I would love to have a loner trailer while this one is out of order.
First thing you just tell your insurance company you want a loaner. If they refuse then you ask them how to appeal that decision. They have to have an appeal process. If that's not succesful then you have to lawyer up. That becomes a risk/reward decision at that point.
You always have to make a claim as the first step. Many times just the thought that you are going to fight them will make them move.
Once this is all resolved I would look elsewhere for my insurance. I always used Grange. Never had a problem with them. But it was more about my agent than anyhthing. He will go to bat for his clients against the companies. He's been my P&C agent for over 35 years. Wouldn't think of using anyone else.
I'm an agent but I do life and health. I've patterned my business after my the way my P&C agent works. Put the customers first, not the insurance companies. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL. |
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| Wish for a hail storm to finish it off ... |
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  Fact Checker
Posts: 16575
Location: Displaced Iowegian | ~BINGO~ - 2017-04-01 9:58 PM It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL.
It usually doesn't cost anything for an original meeting with an attorney to see what your options are....then.....you can call that insurance company and say "I have consulted with my attorney and this is what I want done ........ |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | NJJ - 2017-04-02 8:47 AM
~BINGO~ - 2017-04-01 9:58 PM It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL.
It usually doesn't cost anything for an original meeting with an attorney to see what your options are....then.....you can call that insurance company and say "I have consulted with my attorney and this is what I want done ........
I agree with this. After that, a letter from your attorney might be all you need. I've had to resort to that a couple times, and that's all I needed. |
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 Worst.Housekeeper.EVER.
Location: Missouri | I am currently dealing with insurance for major hail damage to my trailer ...and house, cars, garage, barn, etc... My situation is a little different since we were a disaster area and all of the insurance companies sent out adjusters from all over the US. All of our policies are through State Farm. I feel like they treated us fairly on everything EXCEPT my trailer. And, even then it wasn't too awful.
I suspected that they wouldn't know how to deal with it, so called the manufacturer. They were super friendly and gave me an estimate over the phone. They also told me it needed to come back to them for repairs.
I wasn't sure what the adjuster would do, but at least I had an idea of cost. Sate Farm ended up sending us a check for the high estimate. However, they did not include any towing. When I called and inquired about towing compensation, they just couldn't comprehend that there was no place closer (I'm in rural MO) than the 4 hour drive. They finally agreed to pay my gas. Part of me wants to meet with my local agent and demand more money, but then I'm certain they would total my trailer and I definitely don't want that! So, I think it will work out for the best in the end.
Your insurance company cannot tell you how to fix your trailer. They will give you (or your repair facility) the money and it will be up to you how to use it. If the cost of repairs are higher than the check, you have to submit additional paperwork and receipts (hopefully your repair person will do all that for you) and they will pay the extra.
I wouldn't worry too much. It stinks when stuff like this happens. They just came and hauled away my car so I'm still a little saddened by all of it... But, I am thankful that they have been fairly easy to work with.
Edited by just4fun 2017-04-05 9:59 AM
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Take a Picture
Posts: 12841
| You said a lot when you said STATE FARM. |
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