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Winter Maintenance Tips

Winter Maintenance Tips

Don’t Forget About Winter Maintenance…

Whether your trailer is in a snow belt or just experienced a bad winter storm, seasonal snow buildup can have a huge impact on your summer getaway if you experience a roof collapse due to snow load. Too much snow/ice on a roof has the potential to endanger your trailer especially when spring temperatures fluctuate between highs and lows. The melting and refreezing can increase the weight of these deposits and put even more stress on the roof. Most trailer policies cover damage caused by roof collapse due to snow load. However, qualifying for coverage is based on the age of your travel trailer. If you would like clarification on whether snow load is covered on your policy, please contact a member of our team. Regardless, taking steps to mitigate the chance of a roof collapse is always recommended. Coverage or not, the aggravation of a preventable claim is not worth it.

Roof Snow Removal & Risk Management

To be more proactive managing risks associated with roof collapse, we suggest the following:

  • Make arrangements for roof snow removal with a local contractor
  • Take photos of the snow &/or ice accumulation before it is removed
  • Take after photos of the roof once roof snow removal is complete

Brought to you by The RecProtect Team!

RecProtect Quote FAQ

Question: How simple is the process?

Answer: With RecProtect, you are able to purchase a policy online without speaking to a broker. Simply follow the steps and enter the information as prompted. When you reach the quote, you will see an option to complete your application, highlighted in blue. Once the application is complete you will be directed to sign and enter in credit card information to pay for your policy. RecProtect offers a one-time payment for the year. Once the policy is paid for using a regular credit card or Visa/Mastercard Debit, you will receive the official policy documents in your inbox within minutes!

Question: Have Questions during the quote process?

Answer: Select "Return to Broker" in the bottom left of page if you wish to have a broker review your application. A broker will contact you once application is reviewed. If it is time sensitive, call (888) 887 0881.

Question: Don't have enough time to complete the quote?

Answer: Select "Save and Continue Later" if you wish to revisit the application at a later time. You will receive an email with a link to the application you have started. This will retain all of the data you have entered and will allow you to sign and pay for the application at a time that works best for you.

Question: Questions on coverages?

Answer: Two Settlement Options: Replacement Cost or Actual Cash Value.

1. Replacement Cost: Replacement Cost will have no deduction for depreciation of any kind, this is conditional on insuring the unit for replacement cost of a brand new unit including taxes and any additions.

Ages to qualify for replacement cost:

  • Travel and Fifth Wheel Trailers: Up to 15 years old
  • Park Model Trailers: Up to 25 years old
  • Watercraft: Up to 15 years old

2. Actual Cash Value or Fair Market Value: The Actual Cash Value is the current market value of the unit which includes depreciation. The value is calculated at the time of the time of loss and is based on similar comparables in the marketplace less any costs that would have made your item ready for sale.

Question: What is covered?

Answer: Common claims that are covered are: Fire, lightning, windstorm, hail, collision, theft, vermin and falling objects.

Still have questions? Contact us at: (888) 887 0881.