Gap insurance, service contract/ extended warranty

We purchased a Winnebago preowned motorhome at a local camping world. We were sold good Sam gap insurance we suffered a loss on our unit and now it has taken over two months for gap to pay and they have denied pain because they say there is a policy limit adjustment they do not cover the paint protection that was installed on the unit and they do not cover the tire on that we had installed at the time of purchase Furthermore gap insurance is what they call and I repeat they call self service you have up to 210 days to provide them all the information and it is up to you to follow up and at the end of the day they make their calculations and determine if they are going to pay the difference  or a portion or nothing at all so read the fine print carefully