westend wrote:
Since your insurance rates will most likely increase so that the insurer can recoup the payout, I'd recommend to patch the roof yourselves. If the rest of the membrane is old and starting to fail, I would suggest to call a roofer in your area that does single ply flat roofs. Do not tell him what an RV repair shop will charge. The cost will be a fraction from a roofer compared to RV shops.
Hum..... I've NEVER had my insurance rates increase on my cars, house, rv etc. because of a claim. Now if you have many many claims, I imagine they would increase the rates. My trailer roof was replace last year under warranty. New insurance actually is a few dollars less than the year before. So much for an increase. They've already factored in claims in the insurance rates.
If you buy insurance for trailer damage and then don't use it on valid claims you may as well just not buy the insurance, your just pouring money down a rathole.