Steps, Tips, and Impact on Premiums

On August 8, 2023, a tree fell on my 2018 Hymer aktiv Class B RV. That event became my firsthand experience with filing an RV insurance claim. If you find yourself in a similar situation—be it a fallen tree, a collision, or any other unexpected incident—this guide is for you.

Navigating the complexities of an RV insurance claim can be daunting, but it’s a financial lifeline when unexpected incidents occur. Whether you’re dealing with a minor accident or a significant natural disaster, a robust RV insurance policy can shield you from severe financial repercussions (Insurance Information Institute, n.d.).



Why Filing an RV Insurance Claim is Essential

Navigating the complexities of an RV insurance claim can be daunting, but it’s a financial lifeline when unexpected incidents occur. Whether you’re dealing with a minor accident or a significant natural disaster, a robust RV insurance policy can shield you from severe financial repercussions (Insurance Information Institute, n.d.).

Legal Implications of Delaying or Not Filing a Claim

Failing to file an insurance claim in a timely manner can have legal repercussions. Depending on your policy and state laws, you could face fines or even legal action from your insurance company or third parties involved in the incident. Always consult your policy’s terms and conditions to understand the deadlines and requirements for filing a claim.

Typical Scenarios for Filing a Claim

  • Collisions with other vehicles
  • Theft or property damage
  • Natural disaster-related damages
  • Mechanical issues not covered under warranty
  • Liability claims for injuries or damages to third parties (Insurance Information Institute, n.d.)



Pre-Claim Preparations

Safety First and Reporting to Authorities

In the immediate aftermath of an incident, your primary focus should be on ensuring everyone’s well-being. Once that’s secured, it’s crucial to contact the appropriate authorities—be it the police, park rangers, or other relevant officials. Their official reports will serve as unbiased documentation, which can be invaluable during the claim process (U.S. News & World Report, 2021).

Gathering Evidence

Thorough documentation can make or break your insurance claim. Capture photos or videos of:

The Claim Filing Procedure

Steps to File an RV Insurance Claim

Initiating a claim can typically be done through various channels—online portals, mobile apps, or a simple phone call to your insurance provider. Regardless of the method you choose, be prepared to provide the following:

  • Your insurance policy number
  • A detailed account of the incident
  • All the evidence you’ve gathered, such as photos or police reports (U.S. News & World Report, 2021)

Documentation Needed for RV Claims

In addition to the standard documentation listed above, you may need to provide additional documentation for an RV insurance claim. This can include:

  • Registration paperwork showing you own the RV
  • Service and maintenance records for the RV
  • Photos documenting any customizations or upgrades made to the RV
  • Receipts for any personal items in the RV that were damaged or stolen
  • Photos should thoroughly document damage from multiple angles and close-ups.

Total Loss

RVs depreciate faster than cars, making the threshold for declaring a total loss lower. If your RV is declared a total loss:

  • Understand your policy’s actual cash value or replacement cost value terms.
  • Negotiate the settlement based on the RV’s condition, upgrades, and market value.
  • Consider hiring an independent appraiser if you disagree with the insurance company’s valuation.
  • Some states may require the insurer to replace the RV if it is below a certain age, such as 5 years old. Check local regulations.

Emergency Repairs

Before an adjuster inspects the RV, some emergency repairs may be allowed:

  • Covering broken windows
  • Securing slide-outs
  • Always get approval from your insurance company before proceeding with any emergency repairs.
  • Ask the insurance company if any recommended repairs or mitigation steps would be reimbursable before doing the work.

Contents Coverage

Standard auto policies often don’t cover the contents of your RV. Here’s what you need to know:

  • Documentation: Keep receipts, photos, or videos of valuable items in your RV.
  • Organize photos/receipts of valuable possessions in advance to make documentation easier if a claim arises.
  • Claim Process: File a separate claim for stolen or damaged personal possessions.
  • Coverage Limit: Be aware of the maximum amount your policy will cover for contents.

Coverage Gaps

Be cautious about potential gaps in your RV insurance coverage:

  • Mold/Mildew Damage: Not all policies cover mold or mildew damage.
  • Permanent Residence: Damages occurring when the RV is used as a permanent residence may not be covered.

Alternative Lodging

If your RV is not drivable due to a covered loss, your policy may include:

  • Hotel Stays: Coverage often includes the cost of hotels or other temporary lodging.
  • Daily Limit: Be aware of the daily spending limit and the maximum number of days covered.
  • Save all receipts for reimbursement claim.


If your RV can’t be driven due to damage, here’s what you need to know about storage fees:

  • Coverage: Some policies may cover the cost of storing your RV.
  • Security and transport of the RV to/from storage may also be covered.
  • Winter Storage: If repairs take time and your RV needs to be stored over winter, check if your policy covers this.

Tips for RV Claims

Filing an insurance claim for an RV can differ from a standard auto policy. Here are some tips to help the process go smoothly:

  • Be detailed in describing RV features like slide outs, appliances, electronics, etc that were damaged. This will help the adjuster fully account for repair or replacement costs.
  • If the RV is not drivable, be prepared to discuss towing or storage fees with your adjuster. Some policies may cover these costs.
  • For theft claims, be ready to provide specific details on signs of forced entry or damage indicating a break-in. Photos can help document this.
  • If personal items were stolen, provide any serial numbers you have to help identify the items. Photos also help establish proof of ownership.

The Role of the Claims Adjuster Explained

After your initial claim filing, an insurance claims adjuster will reach out to you. Their primary role is to evaluate the damage to your RV and determine the payout you’re entitled to. They will scrutinize all the evidence, may visit the incident scene, and could even inspect the damaged vehicle. Their evaluation will play a significant role in the final settlement amount (Insurance Information Institute, n.d.).

What to Do if Your Claim is Denied

Having your insurance claim denied can be frustrating and financially stressful. However, you have the right to appeal:

  1. Review the Denial Letter: Understand why your claim was denied. The denial letter will usually contain this information.
  2. Gather Evidence: Collect all relevant documents, photos, and other evidence that can support your case.
  3. Consult Your Policy: Revisit your insurance policy to ensure that you have followed all the required procedures.
  4. Contact the Insurance Company: Speak to a claims supervisor and present your case. If that doesn’t work, consider taking legal action.

The Consequences of Insurance Fraud

Filing a fraudulent insurance claim is a serious offense that can lead to criminal charges, hefty fines, and imprisonment. Always provide accurate and honest information when filing a claim to avoid these severe consequences.

Impact on Credit Score: Busting the Myth

Contrary to popular belief, filing an insurance claim generally does not affect your credit score. Credit scores are calculated based on your borrowing and repayment behaviors, not your insurance activities. However, a history of frequent claims could indirectly impact your credit if you fail to pay higher future premiums on time.

State-Specific Insurance Rules

Insurance regulations can vary significantly from state to state. It’s crucial to consult your state’s Department of Insurance website or equivalent to understand any unique rules or procedures you must follow.

How to Prevent Future Claims

Prevention is better than cure. Here are some proactive measures you can take to minimize the likelihood of future claims:

  1. Regular Maintenance: Keep your RV in top condition to avoid mechanical failures that could lead to accidents.
  2. Safety Measures: Install safety features like rear-view cameras, tire pressure monitoring systems, and anti-theft devices.
  3. Driver Training: Consider taking an RV-specific driving course to improve your driving skills.
  4. Policy Review: Regularly review and update your insurance policy to ensure it meets your current needs.

The Impact of Claims on Future Insurability

Filing multiple claims within a short period can make you a high-risk client in the eyes of insurance companies. This can lead to:

  1. Higher Premiums: Expect a significant increase in your insurance premiums.
  2. Limited Options: You may find fewer insurance companies willing to cover you.
  3. Policy Termination: In extreme cases, your current insurer might choose not to renew your policy.

When to Switch Insurance Providers

Sometimes, the way an insurance company handles a claim can be a red flag. Here are signs that it might be time to switch providers:

  1. Poor Customer Service: Difficulty in reaching out to customer service or getting timely responses.
  2. Unfair Settlements: If you feel the claim settlement was unjust, despite providing all necessary documentation.
  3. Hidden Fees: Being charged extra fees that were not clearly stated in your policy.

Financial Considerations

A Comprehensive Guide to Estimating Repair Costs

Before your claim is settled, you’ll need to obtain a repair cost estimate. Here’s how to go about it in detail:

  1. Obtain Multiple Estimates: Aim for at least three quotes from reputable repair shops (Consumer Reports, 2011).
  2. Request Itemized Quotes: Make sure each estimate breaks down the costs for parts, labor, and any additional services (Consumer Reports, 2011).
  3. OEM vs. Aftermarket Parts: Discuss the type of parts to be used for repairs. OEM parts are generally more expensive but offer better quality (Consumer Reports, 2011).
  4. Negotiation is Key: If there are significant discrepancies between the quotes, don’t hesitate to negotiate (Consumer Reports, 2011).

Understanding the Impact on Your Insurance Premiums

Filing an RV insurance claim can have both immediate and long-term ramifications on your insurance premiums. Here’s a deeper look:

  1. Short-Term Effects: If the claim is your fault, anticipate an immediate hike in your premiums upon renewal (Insurance Information Institute, n.d.).
  2. Long-Term Consequences: Multiple claims in a short timeframe can categorize you as a high-risk driver, resulting in significantly higher premiums (Forbes, 2021).
  3. Accident Forgiveness: Some insurers offer this feature to mitigate the premium increase after your first at-fault accident (Investopedia, 2020).
  4. Time for a Policy Review: This could be an opportune moment to reassess your coverage (Consumer Reports, 2011).

Types of RV Insurance Claims

Distinguishing Between At-Fault and No-Fault Claims

Knowing the difference between at-fault and no-fault claims can save you a lot of future headaches:

  1. At-Fault Claims: These are claims where you bear responsibility for the incident. They almost always result in an increase in your insurance premiums (Nolo, n.d.).
  2. No-Fault Claims: These claims occur due to circumstances beyond your control, like a tree falling on your RV. They are less likely to impact your premiums but aren’t entirely consequence-free (, 2020).

Post-Claim Actions

Getting Your RV Back on the Road

Once your claim is approved, the next step is to get your RV repaired. You can either go with the repair shop that provided the initial estimate or choose another one that you trust more. Keep all invoices and related documentation for future reference or in case of any disputes with the insurance company (U.S. News & World Report, 2021).

Strategies to Lower Your Premium After a Claim

If you find that your premium has increased after filing a claim, there are several strategies to bring it back down:

  • Maintain a Clean Driving Record: A clean driving record can help lower your premium (Insurance Information Institute, n.d.).
  • Consider Increasing Your Deductible: A higher deductible often results in a lower premium (Forbes, 2021).
  • Bundle Your Insurance: Combining your RV insurance with other policies like home or auto insurance can result in discounts (Investopedia, 2020).
  • Look into Eligible Discounts: Some insurers offer discounts for taking safe driver courses or installing safety features in your RV (, 2020).


Navigating the intricacies of an RV insurance claim can be complex, but being well-informed can make the process significantly smoother. From the initial steps following an incident to understanding the financial implications and types of claims, each phase has its unique challenges and best practices. Being prepared can not only make the process less daunting but also help you maximize your claim benefits (Insurance Information Institute, n.d.).


  1. How long does it typically take to process an RV insurance claim?
    • The duration varies depending on the complexity of the claim and your insurance provider. It can range from a few days to several weeks (, 2020).
  2. Is it guaranteed that my premiums will increase after filing a claim?
    • Not necessarily. The impact on your premiums depends on the nature of the claim and whether you were at fault (Forbes, 2021).
  3. What if I disagree with the assessment made by the claims adjuster?
    • You have the right to seek a second opinion. Some people opt to hire an independent adjuster for an alternative evaluation (Nolo, n.d.).

Recommended Resources for Further Reading:

  1. Good Sam Insurance Agency – RV Insurance Guide: This agency specializes in RV insurance and offers a comprehensive guide to understanding RV insurance claims.
  2. Progressive – RV Insurance Explained: Progressive is a well-known insurance provider that offers detailed information on RV insurance, including what to do when your RV is totaled.
  3. GEICO – RV Insurance Resources: GEICO provides a range of articles and FAQs specifically focused on RV insurance claims and policies.
  4. Allstate – RV Insurance Tips: Allstate offers a dedicated section on RV insurance, including tips on filing claims and understanding when an RV is considered totaled.
  5. Nationwide – RV Insurance Coverage: Nationwide provides an in-depth look at RV insurance options, including what happens when you need to file a claim for a totaled RV.