Caravan insurance claims involving fibreglass damage come with their own specific considerations. Here's what caravan owners need to know about storm damage, delamination, leaks and how insurers assess these claims.
Storm and hail damage, impact damage and water-related claims are among the most common categories for caravan fibreglass insurance claims, and each comes with its own documentation and assessment considerations.
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Water damage is one of the more disputed categories in caravan insurance, because the underlying cause matters enormously to how it's assessed. A storm that tears a cover off and lets water pour in is a clear, sudden event. A seal that's been slowly drying out and cracking over several seasons, eventually letting water in, is generally treated as gradual deterioration, which most policies don't cover.
The challenge is that by the time water damage is discovered, it's not always obvious which scenario actually happened, especially since caravans are often left unused for stretches of time. This is part of why thorough documentation and, where possible, evidence connecting the damage to a specific event matters so much for these claims.
Caravan fibreglass repairs can vary enormously in scope depending on what's actually happened behind the surface. A quote that properly accounts for the real extent of delamination, water damage or structural impact, rather than just patching the visible symptom, gives your insurer accurate information and reduces the risk of needing a second claim down the track for damage that wasn't fully addressed the first time.
If you need fibreglass repairs in Brisbane or South-East Queensland, get in touch with us today. We're happy to discuss your repair and provide advice on the best solution.
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Disclaimer: This information is general guidance only and is not financial, legal or insurance advice. Policy terms, exclusions and claim outcomes vary by insurer and individual circumstances. Always refer to your specific Product Disclosure Statement (PDS), or speak with your insurer or a licensed adviser, for advice relevant to your situation. LBM Fibreglass accepts no liability for any action taken in reliance on this general information.