Top Five Insurance Claims

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Ever wonder what the top five RV insurance claims might be? Here is the list, according to one insurance company.

1. Fire. Specifically, those originating in the area behind the refrigerator, where propane lines are located. If the lines are leaking propane and your refrigerator is in LP gas mode and have an open flame, the result is not good. To avoid it make it a point to have the LP gas system checked every year. You can also check for leaks throughout the year. It’s a fairly simple process. You’ll need a bottle of approved leak detector and a little time. Turn on the main gas supply, but don’t light any burners or pilot lights. Dab the solution around all the gas line fittings, watching for bubbling. If you see any, tighten the fitting, and rerun the test. If you can’t resolve the leak, take the RV to a professional to have it checked and repaired. You don’t want to ignore this.

2. Overhangs and Bridges. When an RV owner doesn’t know the height of their RV, or they don’t pay attention to posted signage concerning height limits, they can hit the gas station overhangs or bridges, causing damage. This one is pretty easy to avoid. Know the height of your RV from the ground to the highest point, and add six inches so you know you’ll have enough clearance. Write it down and post it in the RV, so you won’t forget. When exiting the freeway for fuel, try to select an exit with several gas stations and try to pick one that can be easily navigated. Make sure to check the clearances of all bridges before attempting to go under them.

3. Retracting Steps and Awnings. Ensuring these are properly secured is the issue here. When you’re getting ready to leave, it’s easy to forget about retracting the steps. One way to avoid this is to always use a pre-trip checklist. Secondly, like pilots with an airplane, take a walk around the RV to make sure everything is in order and secured. You might be surprised at what you forgot. While camping, never leave the awning open while you’re not able to take care of it in case of rain or storms. One corner of the awning should be lowered during rain to allow the water to run off. During storms with wind and rain, retract the awning and secure it. This should also be done if you are going to be away from the campsite for an extended period and while you’re asleep. Remember to properly stow the awning for travel. Make sure all parts are retracted and in the locked positions. Also remember the awning increases the total width of your RV, so keep this in mind when navigating tight places.

4. Tire Blowouts. This can be scary, not to mention the extensive damage this can cause. Blowouts are usually caused by under or over inflated tires, tires that are old, or are damaged by UV rays and/or ozone. Make sure to pay attention to the load rating embedded into the side of your tires. The only way to know whether your RV is overloaded is to have it weighed. Make sure your tires are properly inflated, as well. It’s best to try to check the inflation level and make adjustments every day you are traveling. If you notice any damage to your tires, have them checked by a professional. Ozone and UV rays can cause dry rot to tires that have plenty of tread. A good way to avoid that is to cover your RV tires when not on the road.

5. Rodent Infestation. Mice and squirrels are fond of using RV’s for their winter homes when you aren’t using it. They can—and do—chew through plastic lines and vehicle wiring. To avoid this, it’s important to make it difficult for the critters to get into the RV in the first place. Check for holes and seal them up, make sure the RV is clean and free of all food.

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