Does insurance cover tree damage on my RV?

Winter has arrived in Canada, bringing blizzards and ice storms which can commonly take down trees. What happens if your RV parked behind your garage has a tree land on it? Does insurance cover tree damage to my RV?

The answer depends on the quality of your insurance policy, the circumstances that caused the tree damage, and where it happened. However, ensuring you have the best insurance for your trailer or motorhome can make the incident easier to navigate.

Collision and comprehensive coverage will improve the chances of receiving compensation

Adding extra coverage like collision and comprehensive makes it easier for your insurance company to help you in times of need. Orbit insurance policies for RVs will offer both collision and comprehensive, better known as “all perils”.

Collision coverage will help repair your RV if it is damaged by running into a tree during a traffic accident. Comprehensive coverage will assist with repair and replacement costs in other disasters, including having a tree fall on your RV. You still have to pay the deductible, and you may only receive compensation for part of the repair or replacement cost based on the particulars of your policy.

What to do if you don't have full RV insurance

So, your RV policy only carries the liability minimums. Can other types of insurance come to your rescue?

Storm damage at the campground leaves limbs on your roof

While parked in one of the heavily treed campgrounds at Banff National Park, a limb could drop onto your RV during a storm. If the tree was in poor condition before the storm, you may get compensated by the campground's liability insurance. You must exchange information with the owner/operator of the campground and work through their company.

If it was determined to be a natural incident, you must look to your insurance for coverage.

Your neighbour's tree comes down

Similar to parking at an RV resort, if your neighbour's tree damages your camper, you will have to prove that the neighbour was negligent in the care of their landscaping. If the tree was not maintained or was dead before it came down, their homeowner's policy and their liability coverage would be the ones covering any damage. 

Where is it safe to park your RV at home and on the road?

No matter where you park your RV, always look above and around it for potential hazards. The safest spot to store your RV is in a garage, which gives it good protection against the elements.

At campgrounds, look for grey and brittle trees near your assigned spot. If you see any, ask for a different space. Upscale resorts often do an excellent job of removing trees that could cause damage to their guests' vehicles. National and provincial parks often face more challenges with tree maintenance due to their typically forested locations.

If you own your property and the neighbour has let their maples overgrow the property line, talk to them about sharing the cost of removing the tree to protect your homes and property.

Speak with an RV insurance expert for the best coverage and protection

If you are unsure of your RV insurance coverage and want to know more, call an Orbit insurance broker at 844-929-4768. Already a customer and want to learn more about the coverage available to you? Call to speak with an Orbit insurance broker at 844-929-4768.