Top 3 RV Insurance Claims and How to Avoid Them

Your RV is basically your home away from home, so it is essential that you give it the same attention as you would your home in Brandon, FL. Make sure to carefully inspect the RV for any damages before heading out on the road. Unfortunately, accidents happen, but with a little preparation, you may be able to avoid common problems. Here are 3 of the most common RV insurance claims and how you can avoid them.

Hitting Bridges and/or Gas Station Overhangs

One of the most common claims insurance companies see when it comes to RV’s is damages caused by hitting bridges and gas station overhangs. RV owners in Brandon, FL, who don’t know the height of their RV, enter areas that do not have enough clearance overhead. The first step to avoiding this type of claim is to measure the height of your RV from the ground to its highest point, which is typically at the top of the air conditioner. For extra safety, add an extra 6-8 inches to the overall height. Make sure to write the information down and post in an area that you can easily see and remember to check the clearance of bridges and overhangs.

Rodent Infestations

Damages caused by rodent infestation are also a common claim, primarily damages that occur when an RV is being stored for the winter. The most common as well as extensive damages are often caused by squirrels and/or mice. Rodents are notorious for chewing through plastic lines, wiring, and upholstery. To prevent rodents from finding their way into your RV it is important to do a careful inspection of the RV before storing. Look for any holes or gaps, including inside, under and behind drawers and cabinets, and fill them with expanding foam. Remove all food items from the RV and thoroughly clean it to remove any food droppings that may attract rodents.

Tire Blowouts

Tire blowouts on an RV are often caused by tires that underinflated, old, overloaded and/or damaged. A tire blowout can cause extensive damage to your RV as well as put you at risk of severe injuries if you lose control of the vehicle when the tire blows. RV tires generally have the maximum rating that can be found on the side of the tire. The best way to find out if your tires are overloaded is to find scales where you weigh them individually. Tire failure may also be caused by underinflated tires, so make sure to check the pressure frequently using a quality pressure gauge. Age also plays a role in the risk of tire blowouts, so make sure to replace the tires when needed.

Residents in and around Brandon, FL who are interested in RV insurance should contact Runnels Insurance.