During the heavy rain storms of 2007 in Central Texas my travel trailer suffered water damage. Progressive denied my claim by claiming the trailer had a “manufacturers defect” (refrigerator vent). However, I was the ONLY KNOWN CASE of this defect. I refiled the claim a year later (after my return from deployment) and had the Progressive Agent call Weekend Warrior Trailers, before they went out of business, and they confirmed that the “manufacturers defect” was unheard of.
Progressive re-investigated my claim and AGAIN claimed “manufacturers defect,” but a DIFFERENT defect (undefined). I objected and demanded they show me ANY OTHER Progressive claims on Weekend Warrior Trailers with this “manufacturers defect.” They were unable to do so.
Progressive then changed the denial to “leaky seals” (read: improper user maintenance). However, they based this claim on pictures and testing over 600 days AFTER the initial claim.
Can I sue Progressive Insurance in small claims court for the several thousand dollars it will cost me to repair my travel trailer. What other recourse do I have to “fight” this injustice. I dropped Progressive shortly after I began the claims process so I know they don’t want to payout several thousand dollars after I only paid about 0 for a years’ insurance. But isn’t this a gamble the insurance company’s take?