Access holes where water lines enter your coach can be larger than necessary, so seal the area with a plate of wood and some spray insulation. Make Sure Your Tires Are Properly Inflated. Just checking tread depth isn't enough. Of course, other animals can get into RVs, but the rodents seem to do the most damage. Once you have the load, you can set your inflation pressure based on the tire chart. Let's look at all of these and see what we might do to help prevent them. As you go down the road, your tires will heat up and the pressures will increase. Then adjust the pressures accordingly. Be very careful at gas stations. For several years in a row, almost all the attention regarding RV fires was focused on RV dual power (electric or propane) refrigerators. So, let’s dive in. RVs themselves aren't stolen that often, but criminals do break into them and steal TVs and other contents. It was and is a serious issue, but I think the focus on refrigerators overshadowed all the other fire causes. Again, adding "stow antenna" to a departure checklist get the job done. Under certain policies, some insurance companies do not cover damage due to the fact that mice infestation is due to negligence . But it's very important that you measure from the ground to the top of the highest point on your RV (perhaps a vent cover or your air conditioner shroud). Since we're so close to the issue, we're going to start with tires. I had a gas grille that sat outside in my yard near where my car is parked. Some insurance companies for the most part do not cover the damage caused by rodents. One day I walked out to the sound of hissing. But that's certainly not always the case. So, whenever we set our pressures as indicated on our tire charts, we do that when the tires are "cold". Today I’m writing about another pest issue that is not only more plausible, it is also more frequent I’m talking about squirrel damage. And we've seen several RVs on the side of the road with awnings ripped off. Most likely, you're protected. I enter the camper weekly and make sure all is well. Does auto insurance comprehensive cover rodent damage? Most of what we hear about is while RVs are in storage or on dealer lots. I searched all around until I discovered it was propane escaping my gas grille. Just look for obvious tread damage and sidewall damage. Every RV has such a label - it's required by law. Their value increases depending on your storage location, how far it is away from your home, and how long the RV remains unused. We've run down numerous people with their antennas up and a few with their steps out. Is there an RV policy that covers rodent damage as in damage caused by a mouse eating wires and if so who and extra cost. As you get into the habit, you will notice if there are any significant changes that could indicate a problem. Consistent inspection of furnace vents, air conditioners, refrigerator flues, etc. When overinflated, our tires are more susceptible to road hazards, and we don't have as much "tire patch" on the road which compromises our steering and braking. I like the American Independent Truckers Association website for that. And there are also aftermarket travel locks and clamps. Again, your insurer would consider your claim on a case-by-case basis. You don't have to be an expert. We run them underinflated, we run them overinflated, we hit curbs, we hit road hazards, we store them in the sun, we use dressings on them that damage them, and we don't use them often enough. If it doesn't look right, get to a tire shop and have the experts look at it. And the more you can personally check on the RV, the better. "I think I can make it" is a statement often made just before a call to the insurance company. For specifics about your State Farm policy, you will want to contact them directly. We tend to discourage the use of poisons because 1) the rodent is likely to crawl up in the RV and die in a place you can't get to causing an awful smell, and 2) poisons are dangerous for your pets and the pets of others. For awnings, the problem usually isn't a failure to retract as much as it is a failure to make sure the awning is locked in place securely. To determine whether damage from squirrels or other rodents might be covered under your RV insurance policy, you should double-check whether you have comprehensive coverage. But nearly every homeowner’s insurance policy will cover sudden and unexpected damage that is caused by rodents, or that results in the damage to your property by rodents after other sudden and unexpected damage to your home. However, we tend to not take perfect care of our tires. Honestly, I don't believe that fires are anywhere near the top five "most common" claims, but I'm sure they are responsible for the most "total loss" claims, and that's probably why insurance companies include fires in their lists of "top" claims. Some awnings roll up into protective covers or weathershields that help keep wind from catching the fabric. Rodent damage and car insurance And you’re hoping against hope your Ohio car insurance will cover the damage. Pay attention to all the clearance signs that we usually ignore while driving our cars. For example, if the last four digits of the DOT code are 2214, that tire was made in the 22nd week of 2014. Comprehensive coverage covers animal damage to your vehicle, just as if you hit an animal while driving. We've had a few mishaps and we know how it feels. As full-timers we see this all the time. The tire pressures should be checked when "cold". Many people then stick or tape that number on the dash where it serves as a quick reminder to the driver. Wind catches the rolled up fabric while traveling and the awning rolls out and acts like a sail. What amazed me was the fact that the squirrels had chewed through sections of metal hose in addition to the rubber. Also, we always inflate tires on the same axle to the same pressure (using the chart-indicated pressure for the heaviest loaded tire). The last four digits of the DOT code indicate the week and the year the tire was made. But, we can tell you from experience that the "recommended" inflation pressures are often wrong based on actual loads, so it's best to get your rig weighed and know for sure. Consider going to the trucker pumps or somewhere else if you are unsure. Usually the max deductible is $500 (though I have seen up to $2,000 if the insurance payments are super low). I like the, What I do know is that we've had rodents get into our RV fifth wheel and chew through wires, If storing your RV, make sure all food is out, Inspect the bottom of your RV and fill all holes you can find with something - expandable foam, steel wool, or anything else that won't compromise the operation of the RV, Some people leave their engine hoods up and even leave a light on while camping in rodent-friendly areas to keep critters from nesting or chewing wires in the engine compartment, Some people use rope lights under their RV to discourage rodents at night, Some people use some mint fragrance oils (supposedly rodents are deterred by mint) on the outside of their RV, There is a minty gel spray-on product called ", Provide lots of distance between you and the vehicle in front of you on the road, American Independent Truckers Association website, RV Insurance - Understanding The Coverages, RV Insurance - The Factors That Affect Your Rate. ), Never leave candles, electric fireplaces, or portable heaters unattended, Never leave anything cooking on the stove top unattended, Never use the stove or oven to heat your rig, Have motorhome engine compartments periodically inspected and services to make sure there are no rotted or loose hoses and no loose cables or wires, Periodically inspect and service wheels, brakes, and bearings, Keep tires properly inflated, check pressures often, and inspect them often - See Tire Failure discussion above, Periodically inspect and service refrigerators, furnaces, air conditioners, generators, and water heaters - check for loose wires, clean vents of debris, soot, insect nests, and make sure propane appliances have proper air flow, Periodically inspect back of refrigerator for smell of ammonia or yellow powder both of which indicate cooling unit failure, Write down your refrigerator manufacturer and model number and periodically check for recalls (especially if you bought a used unit), Annually have the three propane system leak tests performed - Lock Up Test, Operating Pressure System Check, Timed Drop Pressure Test, Periodically have all wiring connections inspected, especially in transfer switch boxes, electric panels, inverters, and generators, Consider automated, temperature activated fire suppression systems for your engine compartment and for the back of your refrigerator cabinet, Have multiple fire extinguishers available (living area, kitchen, bedroom, exit door, storage compartment, tow vehicle (or towed vehicle) and know how to use them, When routing your travel plan, you may want to check for low clearances. 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