There is a recent post of a guy who had a huge increase in his insurance rates due to a $1,600 claim last summer, and a claim 4 years prior.
I would not want to face a huge increase in insurance due to something that can be repaired for say $50.
You can buy Eternabond tape here.
https://www.bigrocksupply.com/Eternabond-RoofSeal-White.htmlYou can buy a 6" wide roll that is 50' long, or even a 8" wide roll. I would guess that the repair can be done with less than 1' long, and might need 4" wide - 8" wide depending on your damage.
You might want to wait until the trailer is 3-4 years old then explain to the insurance agent and tell them that the roof was damaged on a trip, and get 'all' the repairs done at once, just before selling the RV. Chances are that you are going to have one more damage in the meantime. You can always state that you had a temporary repair installed while on a long trip.
Or sell the RV with the small patch.
As stated above, some RV owners are installing 4" Eternabond over all the seams around their RV. You could buy 150' of the 4" eternabond for less than the cost of filling a 35 gallon tank of gas. IF applied to all seams, then the next buyer will think this is the way to permanently cover all seams.
Have fun camping!
Fred.