My friend had a leak in the roof of his camper. The adjuster who came out tried to tell the man that his camper was permanent and he had no insurance when he called the office the adjuster lied and changed his story. Then he tried to tell him his damage to the trailer was because of lack of maintenance. Which he had a man caulk the roof and inspect it yearly. A branch fell and went through the membrane on his roof. He didn't know until water started running down his walls. I do not know what they expected him to do to maintain his camper but, the owners manual states the only maintenance required to a roof is to inspect and caulk the joints. I have talked to several different rv repairmen and insurance adjusters and all have said the same thing. This adjuster doesn't know a thing about campers. I would warn anyone who carries this brand of insurance on your camper if anything happens you will be screwed. All of the RV repairmen told me the same thing that this company doesn't like to pay out claims. AVOID this insurance for camper insurance at all costs. there have been three other campers in this campground that have had the same issues and the insurance companies paid in full for all repairs minus deductible. WE purchase insurance to protect ourselves from accidents like this now this guy has a loan on a camper and it is uninsureable because of the damage this company refuses to repair.