Insurance News

  • 30 Oct 2015 12:56 PM | KOA Owners Association (Administrator)

    Please note if you need Certificate of Show Insurance you can contact Michelle Jaramillo at Outdoor Insurance Group  - email mjaramillo@oigcorp.com.  Or you can always contact the Owners Association office at info@koaowners.org or by calling 1-800-678-9976 or 1-888-461-2062 (CANADA).


  • 06 Jan 2015 2:14 PM | KOA Owners Association (Administrator)

    As winter approaches and camping season draws to a close in many areas, it is important to remember winter weather property protection.  Cold temperatures can cause pipes to burst resulting in major damage to buildings, contents, and equipment.  Snow and ice buildup can wreak havoc by placing additional loads on roofs and support bearing members.  However, there are simple steps that can be taken to help prevent any winter weather issues. 

    Pipe Protection Tips

    -          Perform freeze protection inspections and be aware of shutoff procedures

    -          Building temperatures should be maintained at 55 degrees F or higher. 

    -          Boilers, furnaces, heaters, and flues should be serviced regularly

    -          If buildings are winterized, make sure that the plumbing system is completely drained.  

    -          Install water alarms to detect any issues. 

    -          If your building has a sprinkler system, extra attention should be paid to sprinkler system to make sure that all areas with pipes maintain an adequate temperature and that they are checked regularly 

    -          Have someone check the buildings regularly to ensure that the heat is working and no issues have arisen. 

    Roof Protection Tips

    Roofs collapse mainly due to weather patterns that produce a cycle of rapid freezing and thawing events.  This cycle produces heavy buildup of snow/ice that places excess stress on the roof. 

    -          Maintain all roofs and keep current on repairs.  Winter weather will exacerbate any roof issues.

    -          Arrange to have roofs cleared if snow drifts are visible.  This is especially important on flat or low pitched roofs.  This is a dangerous task so hire a competent contractor. 

    -          Keep drainage pipes & gutters clear of debris to allow water to flow off the roof and prevent ice dams. 

    A few extra steps can make a huge difference when it comes to preparing your property for winter.  Most importantly though, make sure to have an action plan in case the worst happens and know who to contact to report a claim.  Have a happy and safe winter. 


  • 21 Feb 2014 2:15 PM | KOA Owners Association (Administrator)

    Philadelphia Insurance would love to hold a Loss Prevention Seminar at your State Association Meeting. Please give them 6 weeks notice prior to the meeting date so they would be able to schedule a representative for the meeting. A minimum of 10 campgrounds need to be registered for the meeting. Please contact the OA office at info@koaowners.org or call 800-678-9976 to have them assist in setting up the seminar.

  • 20 Feb 2014 2:16 PM | KOA Owners Association (Administrator)

    Report Your Claims in a Timely Matter

    In case of an emergency in your campground, knowing what to do and when can prevent a minor aggravation from becoming a major financial and legal nightmare.

    There are three major areas of concern:

    1. Damage to your property,
    2. Bodily injury, minor or serious;
    3. Damage to the property of others.

    It is essential that you report the situation immediately, don’t wait and above all keep a folder for all of the paperwork on that situation. Make any temporary repairs if necessary to prevent further damage, but the replacement of major items cannot be done until after the insurance adjusters have had a look.

    If they can’t see the damage they may be reluctant to pay you for the damage. And some damages don’t show up until well after the fact. This is why you need to keep an incident folder for the repair, replacement and service call bills that detail the reason for them.

    Obviously, if serious bodily injury is involved, take care of the injury first, but let your agent know as soon as possible. Be sure and show concern and that you are genuinely sorry for what happened with those minor injuries, such as scratches and scrapes. By showing that you care a lot you may keep the injured person from filing a lawsuit later.
    And don’t forget to do a follow up call to check up on the injured person all the while expressing your personal concern for their personal pain. BUT DO NOT ADMIT GUILT and don’t PAY ANYTHING.

    In the event that the injury looks serious or is serious, be sure and obtain help from any medical personnel you may have camping on site and call 911 if necessary. Only administer life-sustaining first aid, nothing more.

    As soon as possible get photos and or a detailed description of the conditions surrounding the accident, the personal information on the victim and witness statements. Then call your insurance company.

    If a campers property is damaged, don’t admit guilt or pay anything but give them a lot of TLC and call your insurance company as soon as possible

    When or if there is damage to your property, try to leave it as is for the insurance adjuster to see. If it’s sensible, put up a tarp or make a TEMPORAY repair if the rain is pouring into your office or kabin and there is danger of doing more damage. But don’t put on the new roof until the adjuster sees and appraises it.

    Be sure to take photos as soon as possible after the damage occurred, especially if you need to do any temporary repairs.

    Reporting incidents to your insurance company in a timely manner is the key for quick and accurate settlement.

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