Blog category
Insurance Claim Guides
The short answer
These guides cover how RV and fleet claims actually get paid in California. What to photograph, how a supplement works, why the first estimate is never the last one, and which handful of denial reasons account for most disputes. Written from the shop side of the file, not the carrier side.
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About this category
Almost every disputed RV claim comes down to the same argument. The carrier saw a crack and wrote a cosmetic number. The shop opened the wall and found the crack sitting above six feet of separated laminate and a bent cage member. Neither party is lying. One of them has photographs of the inside of the structure and the other does not, and the file gets decided on that. So these articles are less about policy language than about evidence. When to shoot photographs and from what angle, what a moisture meter reading proves and what it does not, why the sudden versus gradual distinction decides water coverage, and how to document aftermarket equipment before it is damaged rather than after. Nothing here is legal advice. It is what a body shop learns from writing supplements to fifteen carriers year after year.
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Articles
2026-02-18
How To File an RV Insurance Claim in California
How to file an RV insurance claim in California: the first 72 hours, the Fair Claims timeline, choosing your own shop, and why supplements exist.
2026-03-02
What To Do When Your RV Insurance Claim Is Denied
Your RV claim was denied. Read the letter for the cited policy language, then use teardown documentation, re-inspection, and the appraisal clause.
2026-02-27
How To Document Aftermarket Modifications So Your Claim Actually Pays
Carriers pay actual cash value on what is documented, not what is bolted on. How to inventory solar, lithium, lifts and build-outs before a loss.
2026-03-11
Hail Damage Claims on RV Roofs and Fifth Wheels
Hail on an RV membrane roof shows as bruising, not holes. How to survey it, prove date of loss, and handle a separate wind and hail deductible.
2026-03-17
Sudden vs Gradual: Why That Distinction Decides Your Water Damage Claim
Sudden and accidental water intrusion is generally covered. Gradual seepage from a failed sealant generally is not. How that line gets decided.
Reading is useful. Getting it looked at is better.