The central question of whether a recreational vehicle (RV) insurance policy provides coverage for water intrusion is a common concern for owners. The presence of unwelcome moisture inside a camper can lead to significant damage, and the financial burden of repairs often prompts inquiry regarding policy benefits.
Understanding the scope of RV insurance is essential for protecting this valuable asset. A comprehensive policy typically covers damages resulting from accidents, theft, vandalism, or certain natural disasters. However, the inclusion of water-related damage often hinges on the cause of the leak. Damage stemming from a covered peril, such as a tree falling and puncturing the roof, would likely be covered. Conversely, gradual degradation due to lack of maintenance or wear and tear are generally excluded.
