How an RV or truck insurance claim actually works

We inspect the unit, photograph the damage, and write an estimate against what we can actually see. On RVs a visual estimate is always provisional because the substrate behind the skin is not visible until teardown.

We send that estimate to your adjuster and answer their questions directly so you are not relaying technical detail.

Once the carrier approves a scope we schedule a bay. Parts lead time is the usual constraint, particularly on caps, sidewall panels and slide components that ship from the manufacturer rather than a warehouse.

Teardown is where the real scope appears. Water damage that tracked along a frame member, substrate that failed behind an intact skin, fasteners pulled through backing. We stop, document it, and submit a supplement with photos and a written justification per line.

Most supplements are approved once the adjuster sees the evidence. This step is the single biggest reason a two week job becomes a six week job, and it is not avoidable.

Structural work first, then body, then paint, then reassembly and systems checks. Each stage is photographed for the file.

We verify fit, finish, seals and any system we touched before the unit goes back to you, along with the complete repair file.