Sure we have a duty to act quickly, but can only do that when we know it has happened. I don't inspect my roof at every destination. Lets say that tear was at the roof/wall seam and above the kitchen cabinets. I don't think we would notice water damage inside the cabinets until it got pretty bad.
Or lets say the tear happens on the way home and we park it at uncovered storage for several weeks or months and then discover the damage when we prepare it for the next outing.
A roof tear could be repaired for $2-300, but the resulting mold in the walls and cabinets before we found it could come close to totaling an inexpensive TT like ours. And according to this new endorsement, the mold/deterioration is not covered, whether the loss is caused "...directly or indirectly by the ....(items listed above)..." .
