RVs are unique assets. You can take an exciting summer getaway or go camping throughout the fall. RVs are also high-risk assets. There's a chance you could park your RV and inclement weather passes through the area, causing significant damage. Perhaps you accidentally damage someone's property while driving your RV. RV insurance is designed to cover you in these situations. It's important that you look over your policy carefully to see exactly which types of damages are covered.
RV insurance policies generally cover awning damage. However, the cause of the damage is very important. Awning damage caused by general wear and tear may not be covered through your RV insurance policy. Comprehensive coverage protects you if inclement weather comes through the area and tears off the siding. You also have the option to add special endorsements to your policy. You may be responsible for only covering the depreciation value of the awning. It's recommended that you assess the primary reason for awning damage before filing a claim.
Be aware that not all roof damage is covered. If your RV sustains roof damage due to an accident with another driver, there will be an investigation to see who is really at fault. The other driver may cover the repair costs through their liability insurance. If the other driver's liability insurance isn't enough to fully cover your repair costs, your collision coverage will handle the remaining balance. Collision coverage also steps in if your roof suffers damage through impact with a tree branch or bridge. Comprehensive coverage takes over if your RV is damaged due to unique factors. Damages caused by a fire or severe weather are generally covered through comprehensive coverage.
Deciding whether your RV insurance covers potential roof leaks is more complicated than it seems. If your roof starts leaking in the immediate aftermath of an accident, your insurance should cover the repair costs. However, your repair costs may not be covered if the leak develops in a spot where the accident didn't cause any damage. You may be asked to provide photos in order to verify that the accident is directly responsible for the roof damage. It's important to take care of your RV. Regular maintenance can prevent damage caused by caulking or sealant erosion. Any damages caused by general wear and tear are generally excluded from RV insurance policies.
It's recommended that you assess your RV's age as it may still be under warranty. An active warranty generally covers the necessary costs associated with repairing a leaky roof. Also, some insurers offer special roof coverage that takes care of repair costs concerning roof leaks, interior damage, and eventual wear and tears. It's also recommended that you inspect your RV on a regular basis. Inspecting your RV can help you find potential trouble spots and fix them before things become worse. Vents and joints are common areas where water may build up due to leaking.
RV insurance policies are designed to cover you in emergency situations, such as a roof leak. If you have any questions about insurance, contact the team here at Kneller Insurance Agency today. We will curate a personalized insurance policy for you.
