[Bit'n'Goldie]

Speaking from new experience with a blow out, under the fabric is a layer of insulation. Traveling on wet roads or throwing a rock shouldn't be a problem. A blown out flapping tire, however, rips it to shreds. When RV dealer repaired the damages we were told the fabric is no longer installed back on and a heavier plastic cover which they did install. Hope this helps a little, I'm no expert, just a slight experience with damages and peek into underbelly.