Comprehensive vs Collison Insurance
I recently incurred severe wind damage to the rook of my 2004 Itasca Suncruiser while on the road. To make a longer story shorter, I was hit by a rogue wind blast to the passenger side of the MH and it ripped the rear side of the roof for a distance of about 25 linear feet and also three major rips toward the center of the roof, ranging from about 1' to 3'.
The insurance company decided that it appeared that the damage was initiated by an impact of something which then started the tearing process. As a result, they are replacing my roof under the collision part of my insurance.
What is the difference to me whether they replace it under collision or comprehensive? I'm almost positive that there was no impact, just that the wind found a weak spot and damage occurred from there. Since they are replacing the entire roof, for which I'm grateful, does it make any difference under which part of the insurance pays for it? Would one have more of a negative impact on my future insurance rates than the other?
The insurance company decided that it appeared that the damage was initiated by an impact of something which then started the tearing process. As a result, they are replacing my roof under the collision part of my insurance.
What is the difference to me whether they replace it under collision or comprehensive? I'm almost positive that there was no impact, just that the wind found a weak spot and damage occurred from there. Since they are replacing the entire roof, for which I'm grateful, does it make any difference under which part of the insurance pays for it? Would one have more of a negative impact on my future insurance rates than the other?
