We have Allstate, not too expensive, and they did a good job for us. I would check them out.
November 2018 our camper was at a campground in SW Ohio when severe storms caused extensive damage to our roof. One branch speared through our slide topper and penetrated the slide roof above the dining room table, another through the kitchen roof.
After documenting with photos, I cleaned off the debris, patched all the holes in the roof (using 3 rolls of Flex Tape, and ranging from pin pricks to 1/4" - 1" branches and sticks penetrating the rubber) put the cover on trailer, and called my insurance agent. I couldn't move the trailer out until early spring of 2019, and Allstate said that's fine, take it in when you can. I hauled the unit as soon as I could to our dealer, they inspected it and contacted the insurance. Allstate said they will let the dealer decide what needs to be done.
Bottom line is the whole roof needed replaced because there were so many holes. They estimated replacing the slide roof, slide topper, put in new interior roof panels, the plastic covers for the refridgerator vent , air conditioner, as well as a whole new exterior roof; and the insurance said OK. Then when they were actually started the work and peeled off the old rubber roof, a whole section of the underlayment on the back was soaking wet and had to be completely redone. The dealer submitted that to the insurance, and they just said OK, fix it.
Surprisingly the trailer was in the shop for only 5 weeks from the time I dropped it off to the time it was fixed. Total repair cost was $14,000+. My cost: $250 deductible.
Oh and my insurance rate? didn't go up one penny.
Mark, Vicki, & Scout THE dog
2015 Hemisphere 282RK
2016 GMC 3500HD Duramax dually
1992 Goldwing Aspencade