RV Insurance & Hail Damage Repair

Central Texas gets hail. Not every year and not everywhere, but often enough that a meaningful share of the exterior damage we repair started with a storm rather than with a mistake.

The claim most RV owners never make

The pattern we see repeatedly is an owner who looks at damage, assumes the deductible will swallow the repair, and quietly lives with it. Then it gets repaired years later as a much bigger job, out of pocket.

What makes that assumption wrong on an RV is that exterior repairs are rarely as small as they look. A breached fiberglass sidewall has to be rebuilt back to sound material, not just filled, and the finish has to be matched and blended into panels that have been aging in Texas sun. A cap that has been hit often has to come off the coach. Those are not the jobs owners have in their heads when they decide not to bother claiming.

We are not your adjuster and we cannot tell you what your policy covers. What we can do is tell you honestly what the repair actually involves, so you are deciding with real information rather than a guess.

What usually gets claimed on an RV

• Hail. Roof, front and rear caps, sidewalls, vents and covers, air conditioner shrouds. Hail damage to a roof membrane is easy to miss from the ground and very much worth a proper look.
• Impact. Low branches, gate posts, canopies, the pillar nobody saw reversing, and anything thrown up by the vehicle in front.
• Storm and wind. Awnings, roof damage, debris strikes, and anything that happens to a rig parked outdoors in weather.
• Road debris on the front cap, which is a job we see constantly.

Water damage is the awkward category. Sudden water intrusion from a covered event is one thing; long-term intrusion through tired sealant is usually treated as maintenance. That distinction is worth understanding before you file, and it is another argument for having sealant looked at rather than waiting.

*One hour minimum labor charge required with all service calls. Contact us for current labor rates.

Document it properly, today

Whether or not you end up claiming, this takes ten minutes and it is worth doing before anything else:

• Photograph it from three distances — close enough to show the damage, from about ten feet, and a shot that places it on the coach. Adjusters need to know where on the RV it is.
• Photograph the roof, carefully, if it is safe to do so. Hail damage to a membrane is frequently the largest part of a claim and the part owners never photograph.
• Note the date and what happened. Storms are a matter of record, and a date makes a hail claim far easier to substantiate.
• Do not remove or clean anything up before it is photographed.
• Keep the photographs even if you decide not to claim. If the damage turns out to be worse than it looked, you still have the record of when it happened.

What we repair

• Fiberglass, gelcoat and paint damage, including delamination
• Front and rear cap repair — cracks, impact damage and refinishing
• Sidewall and panel repair back to sound structure
• Roof damage assessment, reseal, and full on-site roof replacement
• Vents, covers and rooftop fittings damaged by hail

Nearly all of it happens where the RV is parked. That matters on a damage claim, because towing a coach with a compromised roof or an open wall risks a good deal more damage than the original event.