Unfortunately potholes are a fact of life, especially during the spring thaw like this. They can, and do, often cause damage to lots of vehicles, such as throwing out the alignment on a car. When I had my Mazda I had to take excessive care to avoid them since the vehicle sat so low a standard pothole would cause the car to bottom out. Never once thought that was a warranty issue.
Wether or not it's an insurance issue comes from what kind of insurance you have. I've worked with lots of insurance companies before and I can tell you they'll only pay based on the specific items covered in your policy. If it's not covered they don't pay, which it sounds like is what's happening in your case.
I suggest you review both your truck's and your trailer's policies to find out what is and isn't covered. Since not all policies are the same, often the person you get on the phone doesn't have exact details of what you're covered for and is making a generalized assumption based on the majority of policies. Being informed of the clause in question you can direct them to where it says in your specific policy that you're covered (assuming of course you actually are covered).
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