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With the increasing number of severe weather events in Folsom, CA, and surrounding areas, you may wonder what happens if your recreational vehicle sustains damage in a flood. If you have the right RV insurance policy, it may cover repairs to mitigate water damage. T.D. McNeil Insurance Services can help ensure your policy provides adequate coverage for flood-related water damage.
You Need Comprehensive Coverage
Comprehensive coverage in your RV policy is similar to automobile insurance, as it protects against non-collision events such as theft, vandalism, fire, and water damage. For flood-related damage to be covered, the event must be sudden and unexpected, not the result of neglect, poor maintenance, or gradual leaks.
Storm damage from catastrophic floods or tornadoes can cause significant water damage to your motorhome or trailer. Vandalism, such as broken windows or a damaged roof leading to water intrusion, may also qualify for coverage. Additionally, falling debris like leaves, tree branches, and dirt can clog your RV’s gutters and drainage system, causing water damage.
Read Your Policy for Specifics
Many insurers have strict guidelines regarding water and flood damage coverage for RVs. For example, some policies may not cover damage from a burst pipe if the vehicle is in storage and the incident is deemed to result from improper maintenance. Other exclusions may include water damage caused by normal wear and tear.
It’s also important to note that insurance won’t cover manufacturer defects that result in water damage. In such cases, you’ll need to contact the RV manufacturer for compensation. If you live in your RV full-time and travel to areas with freezing temperatures, water damage from burst pipes may not be covered.
Learn how to protect your RV from various situations that can cause damage. Contact T.D. McNeil Insurance Services, serving residents in Folsom, CA, to schedule an appointment and discuss your coverage options.
