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Old 04-28-2017, 06:41 AM   #11
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All good advice.

Probably a good time to install vent covers in anticipation of the next event. I would think the vent covers (like MaxxAir) are more robust than the flimsy, crank open vents, themselves.

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Old 04-28-2017, 03:27 PM   #12
Richard Noble
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Three years ago we got hit by hail. We had four MaxxAir covers. All four where destroyed. Also got all four of the slide-out covers and the hood of our truck. Insurance took care of it (less $1,000 deductibles). Replaced the hood with an after-market heat extracting one. Keeps the engine cooler.

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Old 05-02-2017, 09:26 AM   #13
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Thank you!

Thank you to all who have replied and sorry for the delay. We've been busy with 4 different adjusters for damage to our jeep, both campers and house. Anyway, on the new Cougar, the adjuster came out, got up on the roof and crawled around, examined the vent cover and vent and said he thinks we dodged a bullet.

Our deductible is $1,000, so they said the vent and fan are less than that of course. Our concern is that the camper was parked on the west side of the house, and that side of the house is what has all the damage. Everything on that side has damage-garage doors, metal roof, vinyl, gutters, all metal trim, etc. In addition, it tore up the rag top on our jeep and it looks like it was hit all over with a hammer. On the older 5th wheel it got the awning, every plastic piece on the west side and back, both skylights, a broken window, etc.

There is no visible damage to the front or sides of the Cougar and we have found no broken trim etc. Is it really possible that this much hail did not damage the roof of the Cougar? We're paranoid that the insurance has closed the claim and 6 months down the line, we have a leak they did not find. My husband has also looked, and can't find anything, but isn't really sure what to look for.

Not looking for trouble, but just want to be sure we are not overlooking something. I read that hail will "dent" the TPO roof and that within each dent might be a slit, but it does not look dented to us. Are the new TPO roofs designed to take that much hail and not be damaged?

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Old 05-02-2017, 11:25 AM   #14
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I would be just as concerned as you and it's the reason I made my previous comments about having someone knowledgeable about RVs looking at it.

It sounds as if the items they counted didn't amount to your deductible so you therefore don't have a "claim' per se (payable), they close it, you go down the road and the next big storm you have a roof leak and they say...."not covered, lack of roof maintenance".

I would tell the insurance company you don't want the claim closed until it is looked at by an RV repair shop. TPO is tough but I can't imagine that it remained unscathed based on your description of the hail damage you received.

I had the roof on our house replaced 2 months ago. We had a fairly severe hail storm though not as bad as yours it sounds and I thought about the roof - and it was only 5 years old. Looked it over and could see spots where it hit but no tears, the roof vents and skylights were OK so figured it was good but called a roofing company to come look at it anyway. He said all those impact points I saw actually damaged the roof although they looked fine. It wouldn't leak right now but he said it WOULD leak at some point - might be 6 months, might be 2 years. Called the insurance company, they sent their adjuster out and he agreed it was totaled.....and the roof looked good. It was replaced.

I'm afraid you're being left in the same boat I would have been in if I hadn't called the roofing company - just go down the road because it "looks" OK and then have an unfortunate incident somewhere in the future that won't be covered by anything. Wishing you the best of luck.
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Old 05-02-2017, 01:02 PM   #15
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Does your state allow independent public adjusters? That may be an option?

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Old 05-02-2017, 06:27 PM   #16
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I understand your concern and it doesn't hurt to get a second opinion. RV repair shops will take a look, all you need to do is tow it to them. Personal opinion, you probably dodged a bullet. When our 5er got hit by hail, it busted every external light lens and even knocked off the tail lights. The AC looked like someone took a hammer and beat it into pieces and a few windows were busted out. That was golf ball size hail. If everything else has as much damage as you're saying, but your 5er only has one roof vent busted, maybe somehow there was something that was shielding your 5er or causing the majority of the hail to miss it.


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