After carrying out some study on RV insurance policy promises I found what one coverage firm mentioned as the prime five RV insurance promises submitted. Right now we’re going to explore what these statements are and how you can stay clear of them.

Claim #1

This insurance policy corporation said that it gets at least 400 claims every single year involving fires about the again of the refrigerator that are brought about by leaking propane strains. If you might be using your fridge in the LP gas mode, with an open flame, you definitely don’t want a leaking LP gasoline line.

How to avoid it

To avoid turning out to be a statistic I advocate that you consider your RV to an licensed RV fix facility per year and have the whole LP gasoline program checked. RV specialists have the good products to check the procedure for leaks and to make guaranteed the LP fuel force is modified effectively.

You, the proprietor, can periodically inspect for LP gasoline leaks. To do this switch the main gas source on, but do not light any pilot lights or other burners. Consider a bottle of permitted LP leak detector resolution and dab all-around all gasoline fittings. If there is a leak the small bubbles will mature into larger sized bubbles. Tighten the fitting and repeat the leak take a look at. If the problem persists turn the LP gas supply off and choose it to an RV restore heart to have it checked out and repaired.

Assert #2

The future claim the insurance coverage firm shown was RV’s hitting gasoline station overhangs and bridges. RVers neglect or do not know the top of their RV and enter areas that never have more than enough overhead clearance.

How to avoid it

The initially phase is to evaluate the height of the RV from the floor to the best issue, generally the top rated off the air conditioner. Manufacturer brochures often times consist of this details. Examine the footnotes to make absolutely sure it incorporates optional tools like the air conditioner. For protection actions increase an more 6 inches to the overall peak. Generate this data down and submit it in the RV or tow vehicle the place it can be quickly noticed and will serve as a constant reminder for you. When you exit the interstate to refuel find an exit that has quite a few gas stations so you can select a person that is easy to navigate, and has lots of overhead clearance. If you vacation on roadways a lot less traveled be certain and test clearances on all overhead bridges ahead of attempting to go less than them.

Assert #3

The insurance coverage business lumped retracting the RV ways and awnings jointly in this assert. Touring with the awning properly secured is a single concern and stowing your awning in terrible weather conditions is an additional worry. Given that the declare was not very specific about the awning I will tackle both of those problems.

How to stay away from it

When I labored for an RV dealership I noticed the conclusion outcome of not retracting the ways on much more than a single occasion. It is really simple to fail to remember the RV methods when you are obtaining ready go on a journey or go away a campground. I have two strategies to keep away from this from happening to you. Initially you really should generally use a pre-trip checklist anytime you system to go the RV. Second you ought to constantly stroll about the whole RV a 2nd time just in advance of pulling out. You’ll be amazed at some of the factors you missed the initial time you walked all around the RV. I have a pretty complete pre-journey checklist readily available in my “Checklists for RVers” e-e-book at

The 1st issue we are going to cover concerning the awning is stowing it appropriately for journey. Make sure the awning is appropriately stowed in opposition to the facet of the RV and the roller tube lock system is in the retract place. Make sure the awning arm vacation locks are latched and tighten the black knobs on the again of the awning arms. The awning would make your RV 6 inches broader and you must usually continue to keep this in thoughts when you are touring. I have viewed many instances the place the awning roller tube and material gets damaged by hitting or rubbing on some thing and the awning arms get ruined by catching on something. When navigating in close quarters, this kind of as at a campground, use a ground tutorial to make sure you have ample clearance to stay away from damage to the awning.

I’m not confident if the insurance policies enterprise gets additional promises for vacation relevant injury to the awning or storm linked destruction. I consider I have found far more awning hurt brought on by rain, wind and storms. You should generally reduced a single conclusion of the awning to allow for water operate off. The bodyweight from water pooling on the awning material can induce considerable and pricey injury. Any wind over 20 miles per hour can also cause extensive hurt to the awning and to the RV. In no way leave the awning out unattended. If everybody is leaving the campsite, retail store the awning in the travel placement. When you go to mattress, retail outlet the awning in the vacation position. Even when you are at the campsite, you need to use awning tie downs to avert any unexpected problems triggered by a significant wind gust or a storm that moves in speedily.

Claim #4

The upcoming claim the insurance policy enterprise detailed was for problems triggered by tire blowouts. I have witnessed substantial harm to RVs caused by tire blowouts. Tire blowouts on RVs are triggered by overloaded tires, below inflated tires, old tires and tires broken by the ozone and UV rays.

How to avoid it

Just like the axles on your RV, tires have load ratings way too. The most rankings are molded into the facet of the tires. You have to have to have your entirely loaded RV weighed to make certain that the tires are not overloaded. The only way to know if a tire is overloaded is to come across scales the place you can weigh particular person wheel positions in addition to the general excess weight, and the axle weights.

Yet another foremost bring about of tire failure is under inflated tires. The load ranking for a tire is only accurate if the tire is properly inflated. Below inflated tires induce intense heat build up that potential customers to tire failure. The visual appeal of the tire can seem typical but the inner problems is not seen and the tire can fall short at any time without the need of warning. If you find any tire 20 per cent or additional beneath the accurate inflation tension have it taken off, demounted and inspected. Driving on a tire that is 20 % or much more beneath inflated can lead to major, lasting destruction to the tire that may perhaps not be obvious.

Preferably you must test tire inflation, and alter it if essential, day to day that you go or generate your RV. If you are unable to get into the routine of performing it on a daily foundation you have to have to make it a level to check out all tires weekly, at a minimum when you happen to be touring. You generally want to check the tires when they are cold, which means that you don’t drive or transfer the RV ahead of checking inflation stress. The only way to appropriately evaluate the inflation tension in your tires is with a good quality inflation tension gauge. Will not ever count on your eyes to check out tire inflation. There can be as much as 20 PSI distinction amongst tires that glimpse the exact. You need to have to devote in an accurate inflation force gauge. You should really get 1 with a double, angled foot. This will make it significantly easier to look at the outer tire of a dual established.

The age of your tires is an additional component that contributes to tire failure. If your tires are additional than 7 several years previous they must be changed. All tires manufactured in the United States have a DOT amount. You may well have to glimpse on the within sidewalls to locate it. The very last 3 or four digits in the DOT amount discover how outdated the tire is. More mature tires utilised 3 digits. The to start with two determine the 7 days of the calendar year that the tire was developed and the 3rd identifies the yr. More recent tires use 4 digits. Again the to start with two digits are the 7 days of the calendar year and the final two establish the 12 months. For example 1005 is the 10th week of the 12 months, and 05 is the calendar year 2005. If you dilemma the age of your tires, especially on a applied RV, and you are unable to discover the DOT selection have them inspected by a experienced tire center.

Ozone in the air and UV rays from the sunshine shorten the existence of your tires. It truly is not uncommon to see RV tires with low mileage and loads of tread that are ruined by the damaging consequences of ozone and UV rays. Ozone in the air causes tires to dry rot and deteriorate. UV rays from the sunlight make it transpire a lot quicker. This is particularly legitimate of the tires sidewall. Examine your tires for examining or cracks in the sidewalls. If you observe any harm the tires should be inspected by a professional. To secure your tires from sunlight destruction continue to keep them coated with covers that will block out the daylight when not in use.

Claim #5

Amount 5 in the leading five RV claims was for destruction induced by rodent infestation. When RVs are stored for the wintertime it truly is not unheard of for mice and squirrels to make their wintertime residence in the RV. These animals are notorious for chewing through motor vehicle wiring and plastic and rubber traces, debilitating the overall vehicle.

How to stay clear of it

I do not know if there is any proven, comprehensive proof system for holding these rodents out of your RV but there is a prolonged record of means men and women have attempted. I will list some of these suggestions that you can consider to hold these unwanted visitors absent from your RV.

Probably the most important phase is to try out and prevent mice and other rodents from staying able to obtain your RV. This can be difficult because they can enter the RV by some incredibly little regions. Get started by inspecting the underside of your RV for any gaps or holes. Fill these gaps applying silicone or increasing foam. A word of caution, if you by no means employed expanding foam prior to you ought to experiment with it on a thing other than your RV first. When it dries it can increase a excellent deal additional than you anticipate. Subsequent, open drawers and cupboard doors within your RV. Glance in all of the corners and crevices, primarily the place plumbing and wiring enter the RV. If you can see any daylight mice can get in. Fill these places with silicone or foam.

Take away all food stuff from the RV when it truly is becoming saved and carefully thoroughly clean it to get rid of any remnants of foodstuff that could possibly draw in mice and other rodents.
If at all probable consider to park or keep your RV on a strong surface like pavement or concrete. Consider to prevent grass, fields or wooded locations.
If it really is a motorized RV start out it every single 7 days to operate any squirrels off that could be earning the engine compartment into a house for the winter season. This is exactly where a ton of chewing problems takes place.

If you really don’t brain the odor of mothballs scatter them during areas of the RV to include storage compartments and the underside. I have been informed that mothballs will function for a although but at some point rodents will get used to the scent and it will no for a longer period prevent them.

Others say the different to mothballs is dryer sheets, like Bounce. People swear they perform and the odor is significantly far more nice. The challenge with dryer sheets is the moment they dry out they are not seriously efficient.
If you are shut to the place your RV is being saved you could want to use standard mouse traps and check for mice every few days. The only difficulty with traps is the bait can basically draw in mice. I will not advocate any style of poison. It can get several days for the poison to do the job and the mice will ordinarily die somewhere that you cannot find them. If this comes about you may perhaps never ever get rid of the scent. If you do use poison make absolutely sure pets won’t be able to get to the places wherever you place it.

I have talked to RVers who suggest you spray some form of insect spray (that consists of mint oils) close to the tires to discourage mice. The only challenge I see with this is you would require to do it just about every couple times if the RV is saved outside.

There are several ultrasonic pest controllers on the market place. Some even offer funds back again ensures. Once more, I have talked to some persons who swear by them and other individuals who insist they will not function. I have by no means experimented with this process.

Soon after a great deal of analysis on this topic I have appear to the summary that the only way to seriously maintain rodents absent is to get rid of the rodent’s entirely. Continue to established traps for mice until finally they are gone and in the circumstance of squirrels it might be needed to trap and relocate them if there is no other method out there to get rid of them.

I was amazed that harm to Television set antennas did not make it in the top rated five RV claims. I have found several Tv antennas and RV roofs damaged by forgetting to decreased the Tv antenna. The harm just isn’t just from the antenna hitting something when it truly is in the elevated position it’s also since the antenna are not able to withstand the power from freeway speeds when it is in the lifted situation. There are a pair of means to keep away from hurt to your Tv antenna. Just one is to adhere to the trusty pre-excursion checklist in advance of you transfer the RV. An additional way is dangle the motor residence or tow car starting up crucial, or something like a piece of vibrant ribbon on the Television antenna tackle every time it truly is in the elevated placement. This will provide as a reminder to decreased the antenna in advance of you move the RV.

Armed with this advice, with any luck , you can steer clear of getting a statistic in the best 5 RV coverage promises. Be safe and have a excellent time discovering this excellent state in your RV.

Joyful Tenting!


Copyright 2006 by Mark J. Polk owner of RV Education 101