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redskinman

Houston flood took my toyhome

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Well the flood that hit Houston damaged my motor home,it was declared a total loss by Geico,just waiting to see what their offer is going to be on it.It got about 3' of water,you can see the water line in the pictures.I want to try and buy it back from them unless what they want is too high.I'd like to bring it home and try and air it out and put some fans in it but needs to be towed and it's probably too late to do anything about it anyway.I left the state Friday before the hurricane hit,rv was flooded Monday and I didnt get back to State till following Monday,so it had already been sitting a week before I got a chance to take a look at it.

I suspect Irma's going to take out a few more Toyhomes with it also,praying for those in Fla.

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If they try to lowball you, present copies of ads showing what these things are really worth,  When I totaled mine, Geico started with a low value but came around pretty quick when I showed them what these things are really worth.

 

With the lack of electronics, your 321-RB may be ok. I would want to flush all the fluids (rearend, change tran & engine) as well as repack rear bearings, etc.  Would take some work but that might be a good low cost camper for someone willing to do the work,

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If it's fresh water damage it might be salvageable. Salt water tends to mess with electrical wires, connectors etc.

Insurance will probably sell it back for cheap. Most salvage yards don't take motorhomes because they don't want to take up space with the coach. I'm sure Houston salvage yards are going to be full.

Sorry to here about your loss. 😩

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If the water is up to the dash it's an automatic total no questions asked even if it's a million dollar car. If there is salt water involved the problems will be never ending fresh water is bad enough electrical, mold,motors,brakes, diff and transmission issues it's bad juju. Years ago they trucked them to auctions further north with no disclosure laws you would not believe how nasty these things were wet sand rotting the bottom of the doors out corroded  wiring doing all kinds of strange things you name it. 

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Normally in a hurricane the storm surge is salt water. In Houston most of the flooding was from rain and thanks to the Army Corp of Engineers. To prevent reservoirs from overflowing and causing flooding they just flooded those same neighborhoods on purpose. Also didn't notice that they had inactivated the water meters and they were letting out double and triple what they intended to. So much for the experts. His might be fresh water and from the pics it doesn't look like it was dash height. Might be a saver

Linda S

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Like Linda said,this was from rain,no salt water,and I'm pretty certain it didnt get in dash.

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12 hours ago, redskinman said:

Like Linda said,this was from rain,no salt water,and I'm pretty certain it didnt get in dash.

Does not matter salt or not touches the dash it all over, all though salt water is worse fresh water does just as much damage think about a flooded mattress water in every thing one thinks might be sealed. Oil seals keep thing from falling out they do not work well backwards breaks, diff,wheel bearings,engines,transmissions,window regulators,rust in places you can't see anything that can leak will. I have been through this several times it's not a pretty picture. Salt water wrecks electrical stuff as soon as the water recedes and air can get to it, it's a never ending headache take the money and run.  

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 Well I got the offer from insurance company and it was a lot better than I expected so I didn't even fight them on it , I thought they would come in very low but they offered 9773.00 minus 500 for deductible

 If I want to buy back it will cost me 2500 which was more than I thought the buyback would be , I haven't made up my mind what I want to do yet. 

 I might buy it and try to make it a flatbed  or a toy hauler, I don't know yet 

Edited by redskinman

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6 hours ago, redskinman said:

 Well I got the offer from insurance company and it was a lot better than I expected so I didn't even fight them on it , I thought they would come in very low but they offered 9773.00

 If I want to buy back it will cost me 2500 which was more than I thought the buyback would be , I haven't made up my mind what I want to do yet. 

 I might buy it and try to make it a flatbed  or a toy hauler, I don't know yet 

Make a counter offer. Every day they keep possession costs them money. They will have to pay for towing, storage and auction fees.

If you really want to keep it, pay the buyback price or wait until you get your settlement check. Then attend the auction and bid on the unit yourself. People unfamiliar with Toyota motorhomes will be hesitant to bid for it. I suspect there will be many vehicles for sale.

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3 hours ago, fred heath said:

Make a counter offer. Every day they keep possession costs them money. They will have to pay for towing, storage and auction fees.

If you really want to keep it, pay the buyback price or wait until you get your settlement check. Then attend the auction and bid on the unit yourself. People unfamiliar with Toyota motorhomes will be hesitant to bid for it. I suspect there will be many vehicles for sale.

Well they don't have possession,I do.Its still at storage lot where I am paying the rent:mellow:,so I don't really  have any negotiating power. 

I have no ideal where the auction would be at

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Yes you do. Once the insurance company has "totaled" your vehicle, they assume all costs for storage, towing etc. You have to sign a "release" to receive your check.

Most likely you are dealing with an "independent" appraiser hired by your carrier.

Their only mission is to settle claims as quickly and cheaply as they can. Notify your appraiser you intend to discontinue your storage agreement. This will give you more bargaining power. They now know storage is on "their dime".

I think your mh is probably worth the buyout price. But remember, you'll now have a "salvage title" which will make it harder to sell in the future. If you like it, and your willing to take a chance, I say "pull the trigger".

Edited by fred heath

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2 hours ago, fred heath said:

Yes you do. Once the insurance company has "totaled" your vehicle, they assume all costs for storage, towing etc. You have to sign a "release" to receive your check.

Most likely you are dealing with an "independent" appraiser hired by your carrier.

Their only mission is to settle claims as quickly and cheaply as they can. Notify your appraiser you intend to discontinue your storage agreement. This will give you more bargaining power. They now know storage is on "their dime".

I think your mh is probably worth the buyout price. But remember, you'll now have a "salvage title" which will make it harder to sell in the future. If you like it, and your willing to take a chance, I say "pull the trigger".

Thanks for advice.I want to take a chance on it,wife doesnt.Thing that scares me is it wont start now,but it did start before after it was flooded.Front end was on incline so most water only got in rear of mh,I dont think much water reached the engine but something is causing it not to start.I was out of town when it was started,my daughter started it and said it blew water out the tailpipe.It just makes 1 click sound when you turn key,wont jump off so I dont think it's battery,plus first time I tried to start it and it wouldnt start all dash lights and radio came on,there was no sign battery was dead.Maybe water got to starter or something? Theres no sign of water in oil or transmission when I pull the dipsticks out

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Take the money and run don't look back. You have a good foundation of Toy knowledge. Use it to find a new Toy house or something bigger. Right now is the cheap time to buy.

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i would buy it back .it's hard to kill a Toyota. I had a 1990 Toyota I bought new . when it was around a month or two old. I drove it across a flood road .not knowing the breather in the 22re sat lower than my 20r motor. sucked up water threw the breather and stalled .the truck then floated to the edge of the road and sank only about 2 inches of the roof was showing .towed it out .drained the water out of engine and muffler .took awhile to start it but never did have any problem I had was water got into rearend .but Toyota replaced both front and back rearends. they only have a one way seal.

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26 minutes ago, WME said:

Take the money and run don't look back. You have a good foundation of Toy knowledge. Use it to find a new Toy house or something bigger. Right now is the cheap time to buy.

Well I might  take the money and run but it won't be spent on another motor home, unfortunately the flood also destroyed my work  and it will probably be 2 to 3 months to get us up and running again so need to save my money 

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Reality sucks:thumbdown:. Good luck with the recovery

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I feel your pain. But I can assure you, this isn't a total loss not by a long shot... If you opened up the unit and started drying it right away...fans dehumidifiers etc...24/7....till that sucker is bone dry...including any open or closed areas....wiring boxes...etc...open all hatches etc... you can save this no problem. You will need to pull the floor but the sub floor will be fine... Use peroxide to kill mold not bleach...you can use bleach on some things that's not a problem  But to kill the dangerous mold use regular peroxide..as use it fast and strong...it won't hurt a thing...you can do a wipe down if you like. All cloth will need to be pulled and washed at once or discarded I am sure you know that already. Engine and electrical must be dry...do not tempt to start or run anything unless you are 110% sure it is dry 100% dry not even any moisture can remain...Good luck I hope this helps... If you elect not to try to save it...Please let me know I have a son in Houston I may try to buy the unit from the insurance company..I'd love to have another one...Take care hang in there and BTW I live on the river in SC I've ben flooded out twice in the past two years I am with you brother... It's a hard road but you'll make it... Take it a day at a time...No need to stress it is what it is. 

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Generous offer from the insurance co. It will have a salvage title and if you resell it you may be liable to disclose it has been in flood water. There will be no indication of water until you pull the drain plug all of the water will be on the bottom trans,engine,brake cylinders and diff. It's probably good it did not start. I had a shop in Maryland it was under water up to around 4-5'  We had cars in the lot that went missing I mean gone, every single one on the lot was declared a total including my nephews. Before the storm we had put tools boxes and other expensive things including my nephews totally rebuilt engine for his MGB on the lifts and ran them up. After all of this my nephew did everything he could to drain all of the fluids we installed the new engine and 2 months latter he sold it there were just too many things that did not work and he was never able to get rid of the smells. Granted it was a repair shop but the highwater mark was defined by a 6"  of oil/grease and other debris from the flood water of unknown origin.  We had to steam clean the building.

 

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Thanks for advice everyone but let me reiterate things I have already said:

I was out of town when flood happened and I could not get it home anyway if I was in town, it has been closed up since the flood with no fans on inside.

Motor has been started by my daughter two days after flood when I was out of town but will not start now, no signs of water in oil or transmission fluid.Just a click when you turn key.

 Floor is already soft in back half of motorhome where the worst damage was 

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Yeah take the money and run. So sorry but sometimes moving on is the best solution. Good luck and maybe the perfect one is waiting for you

Linda S

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 Just got off the phone with the insurance company, they would not come off wanting 2500 for it so I'm going to let it go.

 I asked them about where they would send it for auction and I was told it will not be auctioned off it will go to a salvage yard for the parts to be sold and they think the parts are worth 2500 .

 I told them it had brand new tires on it and they need the receipt, going to look for receipts  tonight and hopefully get some more money for that and then finalize the settlement 

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I think that the salvage yards in Texas are going to be FULL. There has been so much in the news about flooded cars with salvage titles. I don't see a big market for cars from the Houston area:P

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41 minutes ago, WME said:

I think that the salvage yards in Texas are going to be FULL. There has been so much in the news about flooded cars with salvage titles. I don't see a big market for cars from the Houston area:P

 Oh yeah they are! Wish I knew what salvage yard they're going to tow it to and how I could reacquire it because I don't think they're going to be wanting 2500 for it .

 Last picture of it before it goes

 

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You can call them they can tell you where they took it. You may have to bid o it to get it back. But they can and should give you all the details in fact you could have denied a total.by showing them it was worth more then they paid .,...thus you keep it get a check and you fix it if you want too. Just a leg up hope it helps. 

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