3 ON YOUR SIDE: $10,000 to rent a camper, After The Storm - WRCBtv.com | Chattanooga News, Weather & Sports

3 ON YOUR SIDE: $10,000 to rent a camper, After The Storm

Posted: Updated:

OOLTEWAH, TN (WRCB) -- Save the tarps on the roof, Tammy and Jesse Robinson's home much the same as right after the tornado that rolled through Snow Hill Road in Ooltewah March 2

"We just felt like there was more damage than what they were saying," Tammy Robinson says.

Farm Bureau Insurance paid out ten days ago.

The house itself is insured for $109,000. The Robinsons got $47, 706.18

"We had a contractor come in," she says. "$70-80,000."

They're fine with the settlements for 'Other Structures' and 'Contents,'  $16,350 and $13,577.24 respectively.

The issue is how they're living, while they await repairs. "They were gonna put us up in a house, but then they could not find us a house for our pets."

So they settled for a camper, from the Temporary Accommodations Inc., out of Atlanta.

"We bring it to them," company spokesman Tommy Chapman says. "They can have peace of mind, make sure their belongings aren't disturbed. It's a good value."

The lease spells out a number of conditions. But it doesn't list the monthly or daily rental fee.

"The insurance companies know that before they sign off on it," Chapman says. "They're who's paying the bill."

But Tammy Robinson says she was 'floored' when she received a copy of the three-month invoice.  $2100 for delivery, set-up and hook-ups of electricity, water and septic. $500 pet deposit.

Add in the rent, and the total comes to $10,608.

"We could have owned it," Tammy exclaims. "We went out and priced one just like this for $9,000."

"Few companies do what we do," Chapman answers. "They never would have gotten the camper if their (insurance) policy didn't have the coverage for it."

"We understand their (the Robinson's) concerns, says Dan Batey, Vice President of Corporate Communications for Farm Bureau Insurance of Tennessee.

"But it's not being deducted from their total payout. "Temporary Accommodations bills us directly, and we pay them directly."

Tammy Robinson believes she and her husband would have chosen differently, had they known the price.

"That's plumb ridiculous, $10,000 for a camper," she says. "I mean, we could have been sitting in a big fine home somewhere."

A cursory check of classified ads reveals that several homes are available in upscale neighborhoods of Ooltewah for less than the $25-$2600 monthly rental that Temporary Accommodations Inc. has charged for a camper.  The homes aren't furnished, but they offer 3-4  bedrooms and more than 2,000 square feet of living space.

"A variety of factors may weigh into it (the price)," Farm Bureau's Batey says. "Of course, we're not exactly known for giving away money either."

Chapman maintains that the camper rental isn't as expensive as it may appear.

"Factor out all the deposits and fees, and it's about $80 a day," he says. "That's comparable to a motel"

But the Robinsons' policy limits coverage for Alternative Living Expenses to $50,000.  That's why they're asking Temporary Accommodations Inc., to pick up its trailer at the end of the month.

"We can't afford something like this out-of-pocket," Tammy says.

"So we'll have to buy a camper, while we wait for our house to be rebuilt."

Powered by Frankly