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RV Tip: Top Five RV Insurance Claims & How to Avoid Them

After doing a little analysis on RV insurance coverage claims I found what one insurance coverage firm listed as the highest 5 RV insurance coverage claims filed. In the present day we will focus on what these claims are and how one can keep away from them.

Declare #1

This insurance coverage firm said that it receives at the least 400 claims annually involving fires across the again of the fridge which are brought on by leaking propane strains. If you happen to’re utilizing your fridge within the LP gasoline mode, with an open flame, you positively do not need a leaking LP gasoline line.

Tips on how to keep away from it

To keep away from turning into a statistic I like to recommend that you just take your RV to a licensed RV restore facility yearly and have the whole LP gasoline system checked. RV technicians have the correct gear to test the system for leaks and to verify the LP gasoline strain is adjusted correctly.

You, the proprietor, can periodically examine for LP gasoline leaks. To do that flip the principle gasoline provide on, however don’t mild any pilot lights or different burners. Take a bottle of accepted LP leak detector answer and dab round all gasoline fittings. If there’s a leak the small bubbles will develop into bigger bubbles. Tighten the becoming and repeat the leak check. If the issue persists flip the LP gasoline provide off and take it to an RV restore middle to have it checked out and repaired.

Declare #2

The subsequent declare the insurance coverage firm listed was RV’s hitting gasoline station overhangs and bridges. RVers overlook or do not know the peak of their RV and enter areas that do not have sufficient overhead clearance.

Tips on how to keep away from it

Step one is to measure the peak of the RV from the bottom to the best level, often the highest off the air conditioner. Producer brochures typically instances embrace this data. Verify the footnotes to verify it consists of non-compulsory gear just like the air conditioner. For security measures add an extra six inches to the general top. Write this data down and submit it within the RV or tow automobile the place it may be simply seen and can function a continuing reminder for you. Once you exit the interstate to refuel choose an exit that has a number of gas stations so you may decide one that’s simple to navigate, and has loads of overhead clearance. If you happen to journey on roads much less traveled be certain and test clearances on all overhead bridges earlier than trying to go below them.

Declare #3

The insurance coverage firm lumped retracting the RV steps and awnings collectively on this declare. Touring with the awning correctly secured is one concern and stowing your awning in dangerous climate is one other concern. For the reason that declare was not very particular concerning the awning I’ll tackle each points.

Tips on how to keep away from it

After I labored for an RV dealership I noticed the tip results of not retracting the steps on multiple event. It is simple to overlook the RV steps when you’re preparing go on a visit or go away a campground. I’ve two methods to keep away from this from occurring to you. First it is best to all the time use a pre-trip guidelines anytime you intend to maneuver the RV. Second it is best to all the time stroll across the whole RV a second time simply earlier than pulling out. You will be amazed at a few of the belongings you missed the primary time you walked across the RV. I’ve a really thorough pre-trip guidelines accessible in my “Checklists for RVers” e-book at http://www.rveducation101.com.

The very first thing we’ll cowl regarding the awning is stowing it correctly for journey. Be sure that the awning is correctly stowed towards the aspect of the RV and the curler tube lock mechanism is within the retract place. Be sure that the awning arm journey locks are latched and tighten the black knobs on the again of the awning arms. The awning makes your RV six inches wider and you need to all the time hold this in thoughts when you’re touring. I’ve seen many circumstances the place the awning curler tube and cloth will get broken by hitting or rubbing on one thing and the awning arms get broken by catching on one thing. When navigating in shut quarters, comparable to at a campground, use a floor information to be sure you have sufficient clearance to keep away from harm to the awning.

I am undecided if the insurance coverage firm will get extra claims for journey associated harm to the awning or storm associated harm. I believe I’ve seen extra awning harm brought on by rain, wind and storms. You must all the time decrease one finish of the awning to permit for water run off. The burden from water pooling on the awning cloth may cause intensive and dear harm. Any wind over 20 miles per hour may also trigger intensive harm to the awning and to the RV. By no means go away the awning out unattended. If everyone seems to be leaving the campsite, retailer the awning within the journey place. Once you go to mattress, retailer the awning within the journey place. Even when you’re on the campsite, it is best to use awning tie downs to forestall any sudden harm brought on by a excessive wind gust or a storm that strikes in rapidly.

Declare #4

The subsequent declare the insurance coverage firm listed was for harm brought on by tire blowouts. I’ve seen intensive harm to RVs brought on by tire blowouts. Tire blowouts on RVs are brought on by overloaded tires, below inflated tires, previous tires and tires broken by the ozone and UV rays.

Tips on how to keep away from it

Identical to the axles in your RV, tires have load rankings too. The utmost rankings are molded into the aspect of the tires. You’ll want to have your totally loaded RV weighed to make sure that the tires aren’t overloaded. The one strategy to know if a tire is overloaded is to search out scales the place you may weigh particular person wheel positions along with the general weight, and the axle weights.

One other main reason behind tire failure is below inflated tires. The load score for a tire is just correct if the tire is correctly inflated. Underneath inflated tires trigger excessive warmth construct up that results in tire failure. The looks of the tire can look regular however the inner harm isn’t seen and the tire can fail at any time with out warning. If you happen to discover any tire 20 % or extra beneath the proper inflation strain have it eliminated, demounted and inspected. Driving on a tire that’s 20 % or extra below inflated may cause critical, everlasting harm to the tire that is probably not seen.

Ideally it is best to test tire inflation, and alter it if required, on a regular basis that you just transfer or drive your RV. If you cannot get into the behavior of doing it every day you’ll want to make it a degree to test all tires weekly, at a minimal whenever you’re touring. You all the time wish to test the tires when they’re chilly, which means that you do not drive or transfer the RV earlier than checking inflation strain. The one strategy to appropriately measure the inflation strain in your tires is with a high quality inflation strain gauge. Do not ever rely in your eyes to test tire inflation. There will be as a lot as 20 PSI distinction between tires that look the identical. You’ll want to put money into an correct inflation strain gauge. You must get one with a double, angled foot. This makes it a lot simpler to test the outer tire of a twin set.

The age of your tires is one other issue that contributes to tire failure. In case your tires are greater than seven years previous they need to get replaced. All tires manufactured in the US have a DOT quantity. You may need to look on the within sidewalls to search out it. The final three or 4 digits within the DOT quantity determine how previous the tire is. Older tires used three digits. The primary two determine the week of the yr that the tire was constructed and the third identifies the yr. Newer tires use 4 digits. Once more the primary two digits are the week of the yr and the final two determine the yr. For instance 1005 is the tenth week of the yr, and 05 is the yr 2005. If you happen to query the age of your tires, particularly on a used RV, and you may’t discover the DOT quantity have them inspected by a certified tire middle.

Ozone within the air and UV rays from the solar shorten the lifetime of your tires. It is not unusual to see RV tires with low mileage and loads of tread which are ruined by the damaging results of ozone and UV rays. Ozone within the air causes tires to dry rot and deteriorate. UV rays from the solar make it occur faster. That is very true of the tires sidewall. Examine your tires for checking or cracks within the sidewalls. If you happen to discover any harm the tires needs to be inspected by knowledgeable. To guard your tires from solar harm hold them coated with covers that can block out the daylight when not in use.

Declare #5

Quantity 5 within the high 5 RV claims was for harm brought on by rodent infestation. When RVs are saved for the winter it isn’t unusual for mice and squirrels to make their winter house within the RV. These animals are infamous for chewing by automobile wiring and plastic and rubber strains, debilitating the whole automobile.

Tips on how to keep away from it

I do not know if there’s any confirmed, full proof technique for protecting these rodents out of your RV however there’s a lengthy checklist of how individuals have tried. I’ll checklist a few of these concepts that you may attempt to hold these undesirable visitors away out of your RV.

Presumably crucial step is to attempt to stop mice and different rodents from having the ability to entry your RV. This may be tough as a result of they’ll enter the RV by some very small areas. Begin by inspecting the underside of your RV for any gaps or holes. Fill these gaps utilizing silicone or increasing foam. A phrase of warning, in case you by no means used increasing foam earlier than it is best to experiment with it on one thing aside from your RV first. When it dries it might probably increase an amazing deal greater than you count on. Subsequent, open drawers and cupboard doorways inside your RV. Look in all the corners and crevices, particularly the place plumbing and wiring enter the RV. If you happen to can see any daylight mice can get in. Fill these areas with silicone or foam.

Take away all meals from the RV when it is being saved and completely clear it to take away any remnants of meals that may entice mice and different rodents.

If in any respect attainable attempt to park or retailer your RV on a strong floor like pavement or concrete. Attempt to keep away from grass, fields or wooded areas.

If it is a motorized RV begin it each week to run any squirrels off which may be making the engine compartment into a house for the winter. That is the place lots of chewing harm happens.

If you happen to do not thoughts the scent of mothballs scatter them all through areas of the RV to incorporate storage compartments and the underside. I’ve been instructed that mothballs will work for some time however ultimately rodents will get used to the scent and it’ll now not deter them.

Others say the choice to mothballs is dryer sheets, like Bounce. Individuals swear they work and the scent is far more nice. The issue with dryer sheets is as soon as they dry out they aren’t actually efficient.

In case you are near the place your RV is being saved it’s possible you’ll wish to use standard mouse traps and test for mice each few days. The one drawback with traps is the bait can really entice mice. I do not suggest any kind of poison. It will probably take a number of days for the poison to work and the mice will often die someplace that you may’t discover them. If this occurs it’s possible you’ll by no means eliminate the scent. If you happen to do use poison be sure that pets cannot get to the areas the place you set it.

I’ve talked to RVers who recommend you spray some kind of insect spray (that incorporates mint oils) across the tires to discourage mice. The one drawback I see with that is you would want to do it each few days if the RV is saved exterior.

There are quite a few ultrasonic pest controllers in the marketplace. Some even provide a refund ensures. Once more, I’ve talked to some individuals who swear by them and others who insist they do not work. I’ve by no means tried this technique.

After a substantial amount of analysis on this matter I’ve come to the conclusion that the one strategy to actually hold rodents away is to eliminate the rodent’s altogether. Proceed to set traps for mice till they’re gone and within the case of squirrels it could be essential to lure and relocate them if there isn’t a different technique accessible to eliminate them.

I used to be shocked that harm to TV antennas didn’t make it within the high 5 RV claims. I’ve seen many TV antennas and RV roofs broken by forgetting to decrease the TV antenna. The harm is not simply from the antenna hitting one thing when it is within the raised place; it is also as a result of the antenna can’t face up to the pressure from freeway speeds when it is within the raised place. There are a few methods to keep away from harm to your TV antenna. One is to stay to the trusty pre-trip guidelines earlier than you progress the RV. One other means is dangle the motor house or tow automobile beginning key, or one thing like a bit of colourful ribbon on the TV antenna deal with every time it is within the raised place. It will function a reminder to decrease the antenna earlier than you progress the RV.

Armed with this recommendation, hopefully you may keep away from turning into a statistic within the high 5 RV insurance coverage claims. Be secure and have a good time exploring this excellent nation in your RV.

Comfortable Tenting!


Copyright 2006 by Mark J. Polk proprietor of RV Schooling 101

by Mark Polk

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