A thunderstorm hits, and suddenly your RV roof starts leaking, damaging your belongings and portions of the interior. You wonder whether the RV insurance policy you purchased in Mechanicsburg, PA, will cover the damage. The experts at Grove Financial & Associates Inc. can help you understand when your policy will pay for such damage.
When Your Policy Will Cover Leaks and Water Damage
Coverage for water damage inside an RV is a grey area, so most policies require you to meet specific parameters. The incident that caused the leak and subsequent water damage must be sudden and accidental. For example, if a storm fells a tree that punctures your roof, your policy will cover the damage and repairs. Your policy’s comprehensive coverage will also cover damage vandals cause to the roof. In some circumstances, the collision portion of the policy will pay for repairs. Accidentally misjudging a clearance height or hitting a tree branch or limb will be considered an accident.
Improper Maintenance and Normal Wear-and-Tear
If you neglect to maintain your RV through regular checks and the roof begins to leak, you’ll have to pay for the repair. Standard RV policies specifically exclude the following:
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Degraded sealant around edges, vents and skylights
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Gradual accumulation of mold and mildew over several months from an undetected leak
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General wear-and-tear of roof membranes
These tasks are considered part of the cost of ownership for your RV. Protect your vehicle and your claims by keeping a maintenance log that shows regular preventive care. Inspect seals after every storm to catch small issues. Some carriers offer add-on coverage that covers certain types of roof failure.
Learn how you can fully protect your home away from home with a comprehensive RV insurance policy. Contact Grove Financial & Associates Inc., serving Mechanicsburg, PA, to get started.
