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Based in New Bedford · Mobile service across South Coast MA, Plymouth County, Cape Cod & RI

Tree, storm, hail, wind and impact damage

RV Roof Replacement & Insurance Storm Damage Repair

A tree came down, a limb punched through, a storm peeled the membrane back. We inspect, document the loss for your insurer, write the estimate, and install a complete, brand-new roof once the claim is approved.

Mobile service from New Bedford across South Coast MA, Plymouth County, the Upper Cape and nearby RI. $175 per hour · $3.50 per mile from New Bedford, one way ($50 minimum).

Insurance RV Roof Replacement by Mobile RV Repair Now

When something hits your RV roof, you need two things quickly: the water stopped, and a documented estimate your insurance company will accept. We do both. We photograph and measure the damage, write an itemized scope in the format adjusters expect, and answer their follow-up questions directly.

Once the claim is approved we replace the roof at your location: new decking where it is needed, new membrane, new vents and accessories, and every seam sealed correctly. You get a roof that is better than the one the tree took out.

Problems we fix

  • Tree-limb, branch and falling-object punctures
  • RV hail damage: dented shrouds, cracked vents and skylights, bruised membrane
  • Wind and storm damage to the membrane, caps and accessories
  • Large tears, impacts and collision damage
  • Crushed or broken decking, vents, skylights and moldings
  • Adjuster requests for photos, measurements and line-item estimates
  • Supplemental documentation when hidden damage turns up during repair

What the work includes

  • Emergency-stabilization guidance and damage inspection
  • Photographic documentation and measurements the insurer can use
  • Itemized written estimate with labor, materials and roof components
  • Direct communication with your adjuster or appraiser when you authorize it
  • The sequence, every time: inspection, documentation, written estimate, carrier review, then approval before work starts
  • Complete roof replacement after approval: old membrane off, new decking where needed, one brand-new membrane, new seals on every accessory
  • Completion photos for your records and the claim file

Good to know

Call us first. We work with your insurance company every step of the way. Coverage decisions belong to the insurer, and no contractor can promise approval, but a complete, professional estimate makes the process far smoother.

A replacement means a complete, brand-new roof

When we replace an RV roof, nothing from the old roof goes back on except the RV itself. We remove every roof accessory (air conditioner, vents, skylights, antennas, ladder brackets, termination bars and trim), strip the damaged membrane off completely, and inspect the decking underneath. Broken, wet or delaminated decking is cut out and replaced with new plywood; cracked rafters and framing are repaired; wet insulation is replaced. Then a single, brand-new membrane goes on, wrinkle-free and wrapped at the edges, with heat-welded or adhesive-bonded seams depending on the material. Accessories are reinstalled with new gaskets, new butyl and new self-leveling sealant at every penetration, or replaced outright when they are worn. We never patch and reuse a torn membrane and we never lay a new membrane over an old one.

Most replacements take one to three days on site depending on RV length and how much decking is involved, longer when there is structural work. We do it at your driveway, campground or storage yard; the RV is never towed to a shop and never waits weeks in a service lot.

Membrane options

EPDM rubber and TPO are the two common membranes; TPO is what most manufacturers install today because it is reflective, heat-weldable and long-lived. Fiberglass and one-piece systems are heavier but very durable. We recommend the membrane that fits your RV, your budget and how you use it, and we explain the trade-offs before you decide.

How the insurance side works

Comprehensive RV coverage generally applies to sudden, accidental damage: a falling tree or limb, hail, wind that peels the membrane, storm debris, an impact. It generally does not apply to slow leaks from worn sealant, delamination or neglect, and every coverage decision belongs to your carrier. The claim moves as fast as the documentation is complete, and that is where most owners lose time and money. We photograph and measure the damage before anything is touched, tarp the opening to stop further damage, and write an itemized estimate in the format adjusters work from: labor hours and rate, membrane type and square footage, decking sheets, each accessory removed and reinstalled or replaced, sealants and hardware, disposal and travel. When you authorize it we speak with your adjuster directly and walk them through the scope line by line. Many carriers now use photo or desk adjusters who never see the roof, which makes a technician's report the deciding document. If we open the roof and find covered damage the estimate could not see, we document it and submit a supplement.

Deductibles, depreciation and your right to choose

Your deductible comes off the payout. Whether the rest is paid at replacement cost or at actual cash value depends on your policy; actual-cash-value policies deduct depreciation, which matters on an older roof, so it is worth asking your agent which you have. In Massachusetts and Rhode Island you generally have the right to choose your repair contractor; a carrier's preferred shop is an option, not a requirement. We are the repair contractor, not a public adjuster, and we do not decide coverage. What we do is make sure the damage is proven and the scope is correct.

Storm season on the South Coast

Nor'easters, summer thunderstorms and the occasional tropical system bring down oak and pine limbs across the South Coast, Plymouth County and the Cape every year, and RVs stored under trees are the first casualties. If a limb comes down on your RV, stay off the roof, photograph everything from the ground, tarp only if it is safe, open the claim and call us. Read our storm damage checklist for the first-24-hours steps.

RV hail damage repair near you

Hail on an RV roof does two kinds of damage: dents and cracks you can see in the air-conditioner shroud, vent covers, skylights and fiberglass caps, and bruising in a rubber membrane that you cannot see until the roof starts leaking months later. Both are sudden, accidental damage, which is what comprehensive RV coverage is written for. We inspect the entire roof after a hailstorm, photograph every impact, replace cracked vents, shrouds and skylights, and document membrane damage so the claim covers the whole roof rather than a few parts. If you searched "RV hail damage repair near me" from the South Coast, Cape Cod or Rhode Island, we come to the RV.

Camper roof replacement and motorhome roof replacement near you

Camper roof replacement, travel trailer roof replacement, fifth wheel roof replacement and motorhome roof replacement are all the same job with different roof materials, and we do all of them at your location. Rubber-roof campers and trailers get a complete new EPDM or TPO membrane over new decking where needed. Fiberglass motorhome roofs are repaired or re-capped depending on the damage. Every replacement is a brand-new roof: the old membrane is never reused.

What it costs

Insurance roof replacements are priced by written estimate, not by the hour. The inspection and documentation visit is billed at our standard rate plus travel; whether it is included in the claim is up to your carrier.

Full rates →

Common questions about insurance RV roof replacement

What should I do right after a tree falls on my RV?

Do not climb onto a roof that may be structurally unsafe. Photograph the damage from the ground, tarp the opening only if you can do it safely, notify your insurer, and call us. We will inspect and document quickly so water damage does not grow while the claim is open.

Do you deal with the insurance company for me?

Yes, on the repair side, which is where claims are won or lost. We build the file the adjuster needs to say yes: dated photos, measurements, a cause-of-loss description and a line-item estimate in the format carriers process. When you authorize it we get on the phone with your adjuster and walk them through the scope so the full repair, not a patch, is what they are reviewing. Approval and payment are always the carrier's decision; our job is to make sure nothing is missing from the file. We are the repair contractor rather than a public adjuster, so we do not argue your policy terms; we make sure the damage is proven and the scope is right.

How long does an RV roof replacement take?

Once approved and materials are in hand, most replacements take one to three days on site depending on the RV size and how much decking is involved.

Can you replace the roof where the RV sits?

Yes. We replace roofs at driveways, campgrounds and storage yards across South Coast Massachusetts and nearby Rhode Island. We need working room around the RV and dry weather.

Will the new roof be the same as the original?

It will be a complete, brand-new roof. The old membrane comes off entirely and is never reused; damaged decking is replaced with new plywood; a single new membrane goes on; and vents, skylights and accessories are reinstalled with new seals or replaced with new units. Most owners end up with a better roof than the RV left the factory with.

Do you do RV hail damage repair?

Yes. We inspect the whole roof after hail, photograph every impact, replace cracked vents, shrouds and skylights, and document membrane bruising so the claim reflects the full damage. Hail is sudden damage, which is generally what comprehensive RV coverage is written for; the coverage decision is always your carrier's.

Do you replace camper roofs and motorhome roofs, or only RV roofs?

All of them: travel trailers, fifth wheels, Class A, B and C motorhomes, pop-ups and truck campers. The membrane or cap material changes; the job, the documentation and the brand-new roof at the end do not.

Will insurance pay for a full RV roof replacement?

When the damage is sudden and accidental and the repair scope is documented, a full replacement is commonly approved if the roof cannot be reliably patched. Slow leaks from worn sealant are usually excluded as maintenance. Your policy and adjuster decide; our documentation makes the case.

Do I have to use the shop my insurance company recommends?

In Massachusetts and Rhode Island you generally have the right to choose your repair contractor. Confirm with your agent, then have us inspect.

Can you tarp the roof until the claim is approved?

Yes. Temporary weatherproofing is part of the initial visit when it can be done safely, and it is typically included in the claim as emergency mitigation.

What if the adjuster's estimate is lower than yours?

That is common when the adjuster has not seen the roof in person. We walk them through the repair line by line with photos and measurements, and we submit a supplement when hidden damage appears during the work. Clear documentation resolves most differences.

Will my premium go up after a roof claim?

That depends on your carrier and claim history; ask your agent. A tree strike or storm is usually treated as a not-at-fault comprehensive claim.

Is it a total loss?

Rarely for a roof alone. Carriers total an RV when repair cost approaches its value, which is more common on older units with widespread water damage. The inspection and estimate answer that question quickly.

Leaks, membrane puncture repairs, tree damage and failed roof edges

RV Roof Repair

We come to your RV, find where the water is actually getting in, and fix the roof properly: membrane repairs, penetrations, transitions, edges and damaged decking.

RV Roof Repair details

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Insurance RV Roof Replacement near you

We provide insurance RV roof replacement throughout our service area, including:

Ready when you are

Call or text with the year, make, model and where the RV sits. Send photos if you have them. You'll talk to the technician, not a call center.

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