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Old 08-06-2016, 03:15 PM   #1
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Hail Damage repair and insurance?

Went over to check the travel trailer today after a hail storm this past week. All the vents/covers are destroyed. The Awning is destroyed. Some lights, all the screw molding covers, the door window cover and the battery cover are cracked.

However, my biggest concern is the roof itself. The roof has 1-2 inch wide dents in it. Some of those are a 1/2" deep. From my quick inspection, there are at least 30 noticeable dents in the roof. The hail apparently crushed whatever substance is directly below the Alpha TPO roof. Where the dents/dings are, the roof is now soft. Where there are no dings, the roof is fairly stiff (not rock solid, but it never was).

Does anyone have experience with what I should expect from the insurance company? Will they replace or is it possible to repair the roof?

FWIW, it sounds like they are sending out a local car repair estimator which worries me in itself.

Thanks in advance for any advice!!
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Old 08-06-2016, 03:34 PM   #2
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If the hail damage occurred locally there should be tons of adjusters in your area to cover damage. Quiz your adjuster on his RV experience. If you aren't satisfied, request a qualified adjuster from your insurance rep. Another option is to get the original estimate from the adjuster, then take it to the repair facility and if they need more $$$ to fix your rig, they will work with the insurance to adjust your claim.

We had hail damage to a 4 year old 5ver and the adjuster spent about 20 minutes looking at it and then totalled it. Our damage didn't seem as extensive as yours so we bought it back from the ins with a salvage title for very little money. Saved the ins check and bought another 5ver in a few years.

Good luck!
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Old 08-06-2016, 03:49 PM   #3
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Thank you. The divots in the roof are hard to make out in the pictures I think, but here are some pictures.


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I am glad that I have a fiberglass shell RV. You should see all the metal sided RVs in the lot. . .
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Old 08-06-2016, 04:10 PM   #4
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That looks bad.

(As I'm reading this, the emergency radio just announced an extreme weather alert for my county with 60 mph winds and possible quarter size hail. And the trailer is in the driveway. )
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Old 08-06-2016, 04:20 PM   #5
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Wow, I can just imagine the damage the others got. An awning isn't cheap...just hope you get a good settlement for your damage. I hate to have to take mine somewhere for repairs because our nearest dealer went out of business.
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Old 08-06-2016, 08:01 PM   #6
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I had hail damage 4 years ago on an aluminum trailer and took me about 3 months of fighting with my insurance company to get it totaled. The problem was that the adjuster was contracted out by the insurance company due to a large number of claims following a bad hail storm.
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Old 08-06-2016, 08:28 PM   #7
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If I were you I would call FR and get an estimate to repair the roof and other things. I had a tree branch hit my roof and put a whole in it which caused delam. They sent me a estimate for 5400.00 to replace, I gave it to the estimator and he approved it and FR replaced the roof at the factory, per FR a dealer can not replace a roof. Lucky I got the estimate because the adjuster had no idea.... PS: when they replace the roof they install all new vents and even the TV antenna.
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Old 08-06-2016, 08:34 PM   #8
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Thank you all for the assistance.

Witch Doctor, Did they ship it for you as a part of that?
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Old 08-07-2016, 05:34 AM   #9
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Quote:
Originally Posted by madmaxmutt View Post
Thank you all for the assistance.

Witch Doctor, Did they ship it for you as a part of that?
No I had to drive it up from Virginia, Transportation cost was $1950.00, my insurance would not cover that because they said it was drivable. They offered 100.00 for expenses only. If your plywood is damaged it will have to go back to the factory. My plywood was delam. so I had no choice. The roof system is a compressed 4 layer system. If I just needed the membrane replaced any dealer could have done that, but they can't replace the plywood being it's glued together. But the factory also did some other repairs as a freebe, new table top and repaired the rubber on one slide. They will require pic's of everything you need done...
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Old 08-07-2016, 05:43 AM   #10
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By the way to me it looks like your plywood got damaged. May I suggest that you cut the membrane at one of the dents, and look to see if the plywood cracked, then just tape it back up after you take a picture.
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