1. Welcome to Tundras.com!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tundra discussion topics
    • Transfer over your build thread from a different forum to this one
    • Communicate privately with other Tundra owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Totaled Camper.....What now?

Discussion in 'Towing & Hauling' started by OBXTundra, Oct 11, 2018.

  1. Oct 11, 2018 at 11:23 AM
    #1
    OBXTundra

    OBXTundra [OP] Member

    Joined:
    Aug 30, 2017
    Member:
    #9337
    Messages:
    637
    Gender:
    Male
    Vehicle:
    2010 Tundra, 5.7, 4x4, TRD
    JBA UCA's, Eibach/Toytec Coilovers, AAL.
    1 month ago my Toyhauler fell victim to 3 of my neighbors trees during Hurricane Florence. Ended up with about 20 punctures in the rubber roof, but surprisingly no structural damage. Water did get in and I am worried about the substrate in a few places, but no damage to the inside, and it's all aluminum framing.

    I was able to get on the roof, cut off most of the branches, and gorilla tape everything up the next day. I took the camper to my local RV shop, strictly repairs no sales, good guys. They quoted $4800 for total rubber roof replacement with some substrate repair. Based on everything I've read, that's very fair pricing for a 28' roof.

    Well today the insurance company sent an appraiser over and he mentioned that he's pretty sure it will be totaled. I'm surprised and a little pissed. I like the toyhauler a lot, but have no interest in buying it back only to have a salvage title.

    Anyone else been through this with a camper, trailer, or toyhauler?
    What are my options?
    What did you do?
     
  2. Oct 11, 2018 at 11:48 AM
    #2
    Danimal86

    Danimal86 What's a Dickfir?

    Joined:
    Aug 29, 2017
    Member:
    #9321
    Messages:
    1,676
    Gender:
    Male
    First Name:
    Daniel
    Sacramento, CA
    Vehicle:
    2017 White Tundra SR5
    Wait to till you hear what the payout is.....you might get enough to go get a new shiney one.
     
    Grey Wolf likes this.
  3. Oct 11, 2018 at 11:48 AM
    #3
    831Tun

    831Tun IMA BasTRD

    Joined:
    Jun 7, 2016
    Member:
    #3549
    Messages:
    8,308
    Gender:
    Male
    First Name:
    Warren
    Santa Cruz
    Vehicle:
    '16 CM limited
    ADS C/O w/clickers, ADS bypass rear, Icon UCAs, Toytech shackles, chrome delete, Pro grille, TRD dual exhaust dumped, de-badged, black LED tail lights. BHLM w/projectors, 295 70 18 Cooper STT pro on stock rims w/1.25" Spider Tracks. N_Fab bumper w/Baja Design fogs and ditch lights, 13" antenna x, RCI skid, All Pro sliders, ARB compressor
    I didn't know a trailer could have a salvage title.
    I think I'd take the insurance settlement, buy it back, repair it and pocket the remainder. I would think the remainder would be enough to offset the resale hit for a salvage title?
     
    Grey Wolf, 15whtrd and joonbug like this.
  4. Oct 11, 2018 at 2:12 PM
    #4
    OBXTundra

    OBXTundra [OP] Member

    Joined:
    Aug 30, 2017
    Member:
    #9337
    Messages:
    637
    Gender:
    Male
    Vehicle:
    2010 Tundra, 5.7, 4x4, TRD
    JBA UCA's, Eibach/Toytec Coilovers, AAL.
    My issue with a salvage title is that I can not get comprehensive coverage on it again.

    I'm interested to hear their payoff amount. I did very well when I bought it. So if I made 1k-2k off the insurance value it would make it a little easier to accept losing it.
     
    831Tun and Grey Wolf like this.
  5. Oct 11, 2018 at 2:44 PM
    #5
    831Tun

    831Tun IMA BasTRD

    Joined:
    Jun 7, 2016
    Member:
    #3549
    Messages:
    8,308
    Gender:
    Male
    First Name:
    Warren
    Santa Cruz
    Vehicle:
    '16 CM limited
    ADS C/O w/clickers, ADS bypass rear, Icon UCAs, Toytech shackles, chrome delete, Pro grille, TRD dual exhaust dumped, de-badged, black LED tail lights. BHLM w/projectors, 295 70 18 Cooper STT pro on stock rims w/1.25" Spider Tracks. N_Fab bumper w/Baja Design fogs and ditch lights, 13" antenna x, RCI skid, All Pro sliders, ARB compressor
    I learned another new thing. Didn't know you couldn't get comp. ins. on a salvage title.
     
  6. Oct 11, 2018 at 4:07 PM
    #6
    OBXTundra

    OBXTundra [OP] Member

    Joined:
    Aug 30, 2017
    Member:
    #9337
    Messages:
    637
    Gender:
    Male
    Vehicle:
    2010 Tundra, 5.7, 4x4, TRD
    JBA UCA's, Eibach/Toytec Coilovers, AAL.
    There are a few insurance companies that will write you full coverage policies on salvage titles after an inspection by them or the DMV, therefore turning the title into a "rebuilt" title. Others will write a policy at a reduced rate with a higher deductible. My insurance company will only do liability, they want nothing to do with repairing a vehicle with a salvage title.

    Again this is only specific to campers, I don't know how salvage titles on cars/trucks are treated.
     
  7. Oct 11, 2018 at 4:22 PM
    #7
    WAtundra4x4

    WAtundra4x4 New Member

    Joined:
    Jan 25, 2018
    Member:
    #12453
    Messages:
    79
    Gender:
    Male
    First Name:
    Den
    Berrydale, WA
    Vehicle:
    2018 Cement Tundra TRD crewmax limited
    I totaled a motorcycle due to horses jumping out in front of me at 4:35 am a few years ago. They offered me a replacement cost at $xx. Or I could have it at a salvage and $xx/2. I took the total amount as driving a motorcycle with a bent frame per BMW shop was not conducive to good riding.

    I would think they would cut you a check replace it with a similar one priced per your area.
     

Products Discussed in

To Top