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Open Roads Forum  >  Fifth-Wheels

 > RV roof collapse covered by insurance?

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SMOKESKULL

Kamloops BC

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Posted: 06/04/20 07:55pm Link  |  Quote  |  Print  |  Notify Moderator

The roof on my truck is damaged too. I just noticed today

Armand_C

Westwood, Northern California

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Posted: 06/09/20 04:09pm Link  |  Quote  |  Print  |  Notify Moderator

Results might vary by insurance company. A couple of years ago we had a pretty good windstorm come through our area and it peeled back the front cap of my 5th wheel at the time. My insurance company National General at the time denied my claim stating that it was a maintenance issue (or lack of). When I took it in for repairs, there was another trailer which had the same thing happen to them, however, they had another company that covered their claim. I have since cancelled any and all ties with National General. They were also the insurance company on my homeowners policy through Allstate. My thinking was that if they denied a 2k claim, more than likely they would deny any homeowners claim that would most likely be substantial.


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94-D2

Sutter Creek ca

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Posted: 06/11/20 10:57am Link  |  Quote  |  Print  |  Notify Moderator

See if your homeowners policy will cover all or partial. I have a million $ umbrella on mine. It will cover it.


2018 Ram 3500 Crew Cab Laramie 6.7L, Aisin, air ride, Ram puck prep, SuperGlide 20K auto slide.
2018 Bighorn Traveler 4 slide w/Apt.



It’s not what you’ve done that commands respect, it’s what you do.

Happy Campin’

markc

Scranton,NC

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Posted: 06/13/20 06:18am Link  |  Quote  |  Print  |  Notify Moderator

I had a small limb (<1/2”) fall on the top of my camper. When I saw it I removed it and saw a very small place in rubber that had a very very small hole so I put some chaulking on it. No signs of moisture on the inside, kept checks on it over time but no signs of damage for a year. I was checking the roof about a year later and noticed a soft spot, we file a claim. I did but the adjuster denied the claim, I spoke to the adjuster boss when his boss but still denied. In the end I had to replace the roof, cost me about $5k. Long story short if you have any damage file a claim immediately, afterward seeing that camper (4yrs old) it made me sick and mad) so I bought a fifth wheel.


Wildcat 327 RE 5th-wheel
F-250 KR-CC 4x4 PSD

And a Yellow Lab "Sunny"


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