With Grace - you aren't going to believe this. Daughter had contacted their automotive insurance company as soon as the fire was out. They said sure - the trailer was covered, as it was being towed by the truck. The agent told them to contact a certain tow company to have the trailer towed to a salvage yard. They were following the tow truck out to the salvage yard so they could sign off on the final paperwork when the agent call them back. Seems that since they had disconnected the truck from the trailer when the fire broke out, it was no longer "in tow," and was NOT covered by their insurance after all!!!!!
Guess they were supposed to let the brand new truck just burn, too. Go figure. Glad I don't have that insurance company!!!
At any rate, she and her hubby should be home this afternoon. I just spoke with her a few minutes ago, and they are both worn to a frazzle and ready to get home.
No way...I swear if there's a way to get out of paying, insurance companies will find a way out. Your daughter must be furious with them. I got my horse trailer insured right after I heard a similar story. Truck was pulling trailer, unloaded horses, back trailer into a spot and unhooked it from the truck. Trailer got backed into by an uninsured motorist, couldnt get horses home and auto insurer wouldnt cover it because it was no longer attached to the truck.
So now their trailer is just a total loss and there's no recourse for them?