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Subject: Is buying an RV worth it???
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campbelldukeUser is Offline


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05/07/2007 11:42 PM  

I am thinking about buying an RV.  I have been adjusting for 8 years now and have stayed in quite a few dumpy hotels.  Do you guys think it is worth it?  Do RV parks have wireless internet? (I have never even been in an RV so I dont know anything about them)

I could not keep it at home when i am not on the road because my hoa wont allow it.  How much does it cost to store them somewhere?  Do RV parks have vacancys after a hurricane?   Are there a lot of hidden costs?  Do you take them everytime you go out of town??  Is it worth bringing if you are only going to be gone a month?? And any other input you have is appreciated.

C.J.User is Offline


Posts:0


05/08/2007 11:59 AM  
I havent been adjusting as long as you said you have, but I previously worked for a fibor optic cable co. and took my travel trailor with me everywhere I was sent with the exception of Iowa. Along the Nebraska/ Iowa area the parks close down in the fall.(That might be different now as it was several years ago.) When I began adjusting, I found that a couple of times I had to leave immediately and have someone else bring it to me. Often when that happened the RV parks would fill up and it was difficult to find a place to park. So if I cant hook on and take it right then, I have found it best to just find other accomodations and leave it in storage for the next storm.If I knew it was going to be a short amount of time- as you say a month or so, then I wouldnt bother with it. I have a wireless card so I dont have to worry about internet.Last storm my monthly rent in an RV Park was approx.$425 a month- compared to adjusters in same area renting an apartment for $1900 a month. Ofcourse they dont have to pay for maintance, repairs, and traveling costs. That time taking the travel trailor saved me quite a bit I am worried about this next deployment, as the cost of fuel is much higher now. I too am debating whether to bring the fifth wheel or take my chances on a vacancy somewhere..
Kim Smallwood CICUser is Offline
Adjuster
SW Missouri
Member
Posts:29


05/08/2007 9:10 PM  
I only use my motor home when I know I'm going to be some place for more than a month. It is not worth taking it out for hail/wind/sewer backup storms because anymore the vendors staff the storms so you are in and out in just a week or so usually. There isn't any savings after you factor in fuel costs to get there and there aren't always RV places to stay that are close to your claims (like in Chicago). The extended drivetime and fuel can kill the savings there also. Also there are plenty of hotels available for those types of storms. With a large event such as a Hurricane there are very few hotels operating and those that are, usually are either taken by the homeless Insureds or the power company linemen so it becomes a necessity to have an RV if you want to stay anywhere close to your claims. I take my own satelite internet system in the motorhome. You usually can't depend on the park system (if they have one) to be up after a large event and that goes for the cellphone internet cards also any where close to ground zero. I has lucky in NOLA to have come on a friend who had rented several mobile home lots at a new park and he split them up 2 RVs to a lot. I was within 15 miles of all my claims in a safe location.

DO NOT make your first RV trip to a storm. You need to get fully familiar with driving it, backing it, using it, fixing things that go wrong. If you don't like the outdoors you don't need to buy an RV. I was in a park in MS filled with first time adjusters in their new RVs on Katrina. What a mess. Several couldn't even figure out how to use the bathroom (HINT: don't leave the sewer tank open to drain all the time -- if you leave it open it fills up with the solids, what a mess to try to fix !!)

One note on Hurricanes if you don't have an RV. Make two hotel reservations. One to the left and one to the right of the forcast cone three to five days before landfall. Move your reservations as the cone moves. One of them will still be in business most likely after the thing hits. However, that's also making reservations before you are called out and before you have any claims. Kind or risky for a newby to do these days. You also have to make the reservations for as long of a term as they will allow or you will get booted out by a reservation coming in behind your last day (like a local wanting to move back close to home). This always worked for me.

KLS
Tom RongstadUser is Offline

Member
Posts:76


05/10/2007 5:54 PM  

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Olive greenUser is Offline

Member
Posts:10


05/15/2007 7:04 PM  
I have been considering one myself. Lately it seems whenever I get a room I never get used to the matress or the neighbors burn incense all night. I am thinking about a small C-class as it could be plugged in anywhere. I have met many an agent who would let an adjuster use a little power. Obviously it would take a long time to pay off unless you factor in being more comfortable.
corina hossleUser is Offline

Member
Posts:2


05/18/2007 5:19 PM  

Hello!

My husband and I RV'd to storms for 8 years, but switched 2 years ago.  I don't think there is a right answer to this question, but here's some of what we considered when we decided to change.

Purchase price, including payments if neccessary or lack of investment income, if not

Tow vehicle- either behind a motor home, or in front of a trailer/5th wheel.  We towed a large 5th wheel and had to have a big F350 to do it-

Insurance on both of the above

Increase in gas costs to travel to  and from the storm.  Can also increase gas cost at storm if your using large truck to pull trailer

Loss of time at storm due to increase travel time while towing (average 1 day extra due to towing, and as much as 1 day extra getting "set up" in park)

RV parks run from $350 a month to $900!

Costs to have local phone connected, internet, etc.

Some RV parks do not have septic and you must pay the Honey Wagon to get your waste water- $25/wk? 

Licensing, taxes, storage, maintenance, chemicals, breakdowns, etc

With all that, we LOVED our RV- it was home away from home!  But when we factored in all of the above, and realized that we were incurring costs year round and not just while working, it made sense for us to go to a hotel. 

Corina

 

Olive greenUser is Offline

Member
Posts:10


05/21/2007 8:25 PM  
Those big fivers are nice & roomy, plush too. They do run the costs up, though. That's why I'm thinking a small C-class & keep my little car to run claims.

What do you guys think, eight months out of the year justify the cost? (I'm working a hailstorm that's 13 months on)
Gordon JenningsUser is Offline

Member
Posts:4


05/23/2007 11:33 PM  

Well I haul my 5th wheel. Have for a while. Good tax deductions on trailer, can cook if I want, I know who has slept in the bed.

Got this trailer after paying $600 a week for a motel room.

 

 

Rick HansenUser is Offline
Adjuster
Member
Posts:44


05/25/2007 3:08 AM  

I bought an older ('72') Airstream travel trailer to have ready for this summer's use.  It was mostly restored and I get good mileage towing it at 70 mph, unlike my other trailers.  I don't like goose necks and 5th wheel towing.  This tows great without an equalizer hitch as well.  It is quite economical buying an older one so long as you check it out and know how to fix some things, and providing you get an Airstream. I found it is much easier to renovate an Airstream than a house.   It is much more solid than the more typical travel trailer I had before.  I am getting satelite Internet because of the problems getting a good cell signal in the country, and quite often the towers are down after a major storm.   I had a problem finding good, if any, motels in Missouri last year after the tornadoes and ended up having to drive as much as 30 miles at the end of a day to find one.  I decided then that I would have a trailer for this year. 

If you have a lot of farm claims like I did, it will probably require towing the trailer to the claims, although in most cases I could have unhitched at a central location, scope a couple or 3 claims, then go back and hitch up and find a Walmart for the night and cranked up my generator to run my computers, lights, and a/c.

 

Rick Hansen

Shawn MontgomeryUser is Offline

Member
Posts:3


05/25/2007 2:41 PM  

Having your own roof over your head is heaven sent.  $70 a night for a hotel or $600 for a month at an RV Park.  You can get a great 5th wheel or TT for $8000-$1,3000 or all the way up to $75,000.  It is well worth the expense.  It does lengthen your travel time but if you are packed & walk out the door the minute you get the call, you can make it on time. 

Having said all that, it is pure personal preference and comfort in pulling 30 ft behind you!   We pull a 5th wheel to storm sites and would do it without it!  My clean sheets, my dishes, my electrical or generator, my washer/dryer all under my roof!

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