Failure to Retract Steps, Awnings, & Antennas. Once you have the load, you can set your inflation pressure based on the tire chart. Most of what we hear about is while RVs are in storage or on dealer lots. Usually, mice, rats, and squirrels get into RVs when they are stored. We tend to discourage the use of poisons because 1) the rodent is likely to crawl up in the RV and die in a place you can't get to causing an awful smell, and 2) poisons are dangerous for your pets and the pets of others. For specifics about your State Farm policy, you will want to contact them directly. This is an easy way to prevent an impending tire failure. Our RV tires, under absolutely perfect conditions, could last 10 years. ), Never leave candles, electric fireplaces, or portable heaters unattended, Never leave anything cooking on the stove top unattended, Never use the stove or oven to heat your rig, Have motorhome engine compartments periodically inspected and services to make sure there are no rotted or loose hoses and no loose cables or wires, Periodically inspect and service wheels, brakes, and bearings, Keep tires properly inflated, check pressures often, and inspect them often - See Tire Failure discussion above, Periodically inspect and service refrigerators, furnaces, air conditioners, generators, and water heaters - check for loose wires, clean vents of debris, soot, insect nests, and make sure propane appliances have proper air flow, Periodically inspect back of refrigerator for smell of ammonia or yellow powder both of which indicate cooling unit failure, Write down your refrigerator manufacturer and model number and periodically check for recalls (especially if you bought a used unit), Annually have the three propane system leak tests performed - Lock Up Test, Operating Pressure System Check, Timed Drop Pressure Test, Periodically have all wiring connections inspected, especially in transfer switch boxes, electric panels, inverters, and generators, Consider automated, temperature activated fire suppression systems for your engine compartment and for the back of your refrigerator cabinet, Have multiple fire extinguishers available (living area, kitchen, bedroom, exit door, storage compartment, tow vehicle (or towed vehicle) and know how to use them, When routing your travel plan, you may want to check for low clearances. Usually the max deductible is $500 (though I have seen up to $2,000 if the insurance payments are super low). Though most tire failures can be attributed to overloads and underinflation, there are certain tires put on by manufacturers that just aren't top quality or they aren't suited for a particular RV model. But hopefully, we can keep the damages to a minimum and keep every one safe. Again, your insurer would consider your claim on a case-by-case basis. But here's how we can help. You can clean your tires with soap and water or the tire dressing of your choice as long as it doesn't have petroleum in it. Check with your agent to see whether you can take any courses and obtain any certifications from an RV-industry association that would result in a discount. We've also had wood rats build a nest on the engine block of our truck. Usually, those issues come up on the various owners' forums, so, if there is an owners forum for your RV, it might be worth browsing any tire discussions. It is especially unfortunate to discover that you have extensive squirrel damage on your RV when you are just days away from a trip. State Farm says they will cover, but don't do anything to vehicle until they have an adjuster/claim rep assess damage Through our work with the RV Safety & Education Foundation (RVSEF), we know that the number one cause of RV tire failure is overloaded (aka underinflated) tires. The tire pressures should be checked when "cold". Wind catches the rolled up fabric while traveling and the awning rolls out and acts like a sail. They are considering making it a total loss. Don't assume the awnings are high enough. We have comprehensive insurance coverage that covers animal damage. If you do purchase comprehensive motorhome coverage, you may be able to keep your insurance costs down by taking a few steps. Please look at policies first and advise. It's a good idea to "exercise" the steps periodically. But, it's worth the effort to make sure your tires are properly inflated, to reduce the chance of tire failure (and thus RV damage), and to increase your safety as you go down the road. Insects can be a problem as well. Personal belongings are normally covered by a homeowners or renters insurance policy; your auto policy does not normally cover these losses. Of course, monthly exercise of engines, generators, mechanical functions, and tires is important and a good excuse to visit the RV. For awnings, the problem usually isn't a failure to retract as much as it is a failure to make sure the awning is locked in place securely. At Nationwide, we provide a multitude of RV insurance coverages for motorhomes, 5th wheels and travel trailers so customers can get the coverage that’s right for their needs. Honestly, I don't believe that fires are anywhere near the top five "most common" claims, but I'm sure they are responsible for the most "total loss" claims, and that's probably why insurance companies include fires in their lists of "top" claims. Practice your unhitching technique so you can disconnect from the RV quickly in an emergency. To protect your tires from sun damage keep them covered with covers that will block out the sunlight when not in use. And once a tire is damaged, it's damaged - they don't miraculously "heal" themselves. This means most rodent damage is not covered by your home insurance policy. Comprehensive is an optional coverage. Insects can be a problem as well. Comprehensive coverage covers animal damage to your vehicle, just as if you hit an animal while driving. For whatever reason, electrical wiring, and hoses are irresistible to them. Every tire manufactured for use in the U.S. has a Department of Transportation (DOT) code on the sidewall. If you happen to be in or near the Dallas-Fort Worth area, contact us and we can arrange safe transport of your RV and inspect the unit for electrical damages from the squirrels. currently going thru this. Rodent damage is much like water damage in that RV owners cannot purchase an exclusive policy to protect against it. If you do find damage in the wiring center, immediately unplug the FW and clean out the debris. Generally, insurance policies do not cover damage caused by poor maintenance, or damage resulting from wear and tear. The last four digits of the DOT code indicate the week and the year the tire was made. If the animal has chewed through the wiring, you could risk a fire, and you need to make arrangements to have the RV transported to a shop capable of checking the entire unit out and repairing the damage. Even if the vehicle is parked in an attached garage and rodents damage it, your auto insurance is the only type of insurance that has the potential to prove applicable. 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