Coach-2022-logo-01
  • Contact US
    • Mansfield/Headquarters
    • 817-842-1144
    • Plano Service Center
    • 972-516-2222
    • Denton Drop-off
    • 972-516-2222
    • Waco Drop-off
    • 817-842-1144
Authorization
  • Services
    • RV Collision Repair
    • RV Roof Replacement
    • RV Diagnostic Services
    • Commercial / Specialty Vehicles
    • Horse Trailers
    • Airstream Repair
    • RV Renovations
  • Buy/Sell an RV
  • About Us
    • Locations
      • Mansfield
      • Plano
      • Waco
      • Denton
    • Testimonials
    • Employment
  • Blog
  • Contact Us

Does RV Insurance Cover My Water Damage in Dallas TX?

August 21, 2016

A good portion of what we get asked at Coach Specialists of Texas involves water damage repairs on RV’s, travel trailers and motorhomes. We have said it many times but nothing short of a collision will kill an RV faster than water inclusions.

But RV’s stay outside for most of their lives, and exposure to water is inevitable. That is why you must remain vigilant with checking for sealants and keep a watchful eye on every inch of the RV.

Keep an eye out for soft spots in walls and flooring, brown spots around vent openings and windows, which is a sure sign of a leak somewhere.

But what happens when water does get into your RV and cause damage? Is it going to be covered under your insurance?

First of all, under the laws that regulate insurance companies and policies, Insurance companies are not required to cover water damage. However, very cautious policyholders or seasoned RV’ers will sometimes opt for water damage coverages in addition to their policy as a cheap insurance against a total loss.

With so much water being transported in an RV, and in close proximity to an RV through water lines, water leaks can often happen slowly over time and cause mold and mildew growth which can cost thousands to repair, and could cause the RV to get totaled.

Insuring Part-Time Vs. Full-Time RV’ers.

We have all flirted with the idea of living out of an RV full time. The notion of being totally free to roam the country carries with it a sense of freedom. Full-time RVers will need more coverage than part-time RV’ers. The reason is Insurance companies are banking on the fact that your RV will be sitting in storage for most of your ownership. Full-time RV owners will need to get a coverage similar to homeowner’s insurance. Full-time liability insurance generally covers any type of damage, from water damage to collision and even and fire damage.

If water inclusion damage protection is a worry to you, we cannot stress enough the importance of ensuring that you are covered for water damage no matter what type of policy you have.

The age, make, and model of your RV will change the amount you will have to pay for water damage coverage. The reason is that older RVs are far more susceptible to leaks or to a prior water incident that could become a problem later.

Common Reasons why an RV insurance claim for water could be denied

If you do not have specific water damage coverage, there are a number of reasons that an Insurance company could point to and deny your claim. In your policy, they will be listed in the “Exclusions” sections. Examples of inclusions include

  • wear and tear
  • prior loss or damage
  • manufacturing defects
  • improper or lack of routine maintenance, or failure to perform maintenance as instructed by the manufacturer
  • contamination, pollutants, odors, sewage, or waste (Leaking pipes or sewage waste removal systems)
  • freezing
  • gradual accumulation of snow or ice on a vehicle
  • to any vehicle caused directly or indirectly by any of the following:
  • water leakage or seepage
  • wet or dry rot;
  • rust or corrosion;
  • dampness of atmosphere or extremes of temperature; or

    When Is Water Damage Covered By Your RV Insurance

The exclusions listed above are typically not considered in the event of sudden and immediate damage caused by the failure or breakage of a hot water heater, fresh water or wastewater plumbing system, dishwasher, refrigerator, washing machine, or similar appliance, or by a freak storm or flooding.

So the lesson in all of this is to consult your insurance agent and make sure that water damage coverage gets added to your policy.

 

Save

Filed Under: Weather Damage Repair

Search

Categories

  • A/C Repair
  • blog
  • coach specialists
  • Common RV Repairs
  • Dealerships vs. Repair Shops
  • General
  • Horse Trailers
  • Paint and Gel Coat Repair
  • RV Flooring
  • RV Plumbing Problems
  • RV Remodeling
  • RV Renovation
  • RV Repairs
  • RV Roof Repair
  • Slideout and Awning Repair
  • Tire Damage and Blowouts
  • Uncategorized
  • Weather Damage Repair

Archives

  • January 2023
  • April 2021
  • February 2021
  • January 2021
  • November 2020
  • October 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
Coach-2022-logo

Copyright © 2022 Coach Specialists of Texas. All Rights Reserved. Digital Marketing by

  • Services
    • RV Collision Repair
    • RV Roof Replacement
    • RV Diagnostic Services
    • Commercial / Specialty Vehicles
    • Horse Trailers
    • Airstream Repair
    • RV Renovations
    • Back
  • Buy/Sell an RV
  • About Us
    • Locations
      • Mansfield
      • Plano
      • Waco
      • Denton
      • Back
    • Testimonials
    • Employment
    • Back
  • Blog
  • Contact Us