As the RVing season continues to ramp up and hit full stride, the RV insurance claims season will also continue to ramp up.
Because of the nature of RVing, recreational vehicles spend much of their time parked.
While they remain subjected to the elements, a very real risk, the risk of damage is decreased as their road exposure is minimized, according to an International Insurance Group news release. However, there are two interesting trends when it comes to RV insurance claims.
The majority of claims occur within the first 90 days of ownership or at the beginning of the season. This is due to the nuances and size of RVs. Most drivers aren’t accustomed to the wide angles, required clearance, and space in general that is required to maneuver their rig. There is no question that there is safety in experience when it comes to driving motorhomes or towing travel or fifth wheel trailers.
Experience does not eliminate claims, but it seems to change the nature of the claim.
With experience, claims are less about hitting the post at the gas station, taking out the top of the rig trying to fit under an underpass with low clearance, and become what we call the “I forgot” claims.
“I forgot to unhook the utility and or plumbing connections.”
“I forgot to lock the slide/pop up or awning.”
The list goes on and on.
What’s interesting is the number of claims that fall into the “I forgot” category, and while many of these are not catastrophic, they can exceed the deductible, and claims equal higher insurance rates.
There are many checklists one can find regarding the purchase, storage, or RV season preparation.
What about a checklist to help you avoid the “I forgot” insurance claims?
Following is a checklist provided by RV Insurance provider International Insurance Group, Inc. which should be used before you pull out of the campground to hit the road.
- Check all fluids and tire pressure
- Check RV wheel lug nut torque
- Check propane tanks and generator levels—fill if necessary
- Fuel tow vehicle before hooking up
- Secure items inside RV, clear counters, and latch cabinets
- Secure TV
- Close roof vents and windows
- Turn off air conditioner/heat pump
- Stow and secure awning
- Check slide toppers for water and debris
- Retract slides and secure
- Turn off refrigerator or run on DC
- Empty black/gray tanks and close valves
- Add chemicals and small amount of water to black tank
- Disconnect and store cable/phone, electric cord, sewer hose, and water hose
- Turn off water pump
- Turn off RV lights
- Turn off propane at tank
- Retract/remove stabilizer jacks
- Store leveling blocks/boards
- Secure/lock all doors/exterior bins
- Check headlights, signal lights, and brake lights at rear and front
- Finally, to ensure you’re road ready do a complete RV walk around
- By using this checklist, RVers can help to avoid some of these pesky “I Forgot” claims.
- Summer Travel Safety Tips
- RV Fire Safety Guidelines
- RV Insurance: Do You Have Adequate Coverage?
- On the Road Again…Safely
Remember, Safety First, and Happy RVing!
Have you put…
—sign at a Dickson, Tennessee campground