Please help a tourist - added photos and estimate

The thing I'm chokin' on is that business about "the roof/bottom not being covered" by the insurance you bought for the rig. (see quote below)

This I don't get at all...what insurance policy- especially for a rental- makes that kind of exception, coincidentally of course only affecting the areas you damaged????

yagil.tzur wrote:
I had all the possible insurance, but roof including cab over is not covered by any insurance, nor is the bottom