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At Happy Camper Insurance, we understand that your RV, boat, or powersport vehicle is more than just a mode of transportation. It’s your ticket to adventure, your home away from home, and a major investment. Accidents, weather damage, and theft can happen when you least expect them, and knowing how to file a Recreational Insurance claim can make all the difference in getting you back to your travels quickly.

Whether you’re filing an RV insurance claim after a collision, reporting storm damage to your boat, or replacing a stolen ATV, the process is similar — but there are key steps you should follow to make it as smooth as possible.

Step 1: Gather Information Immediately

After an incident, begin collecting details right away. The more thorough your documentation, the easier it will be to support your claim. Be sure to have:

  • Names, addresses, contact information, and insurance details for all parties involved
  • The date, time, and exact location of the incident
  • Photos and videos of the damage, along with the surrounding area
  • Contact information for any eyewitnesses
  • Copies of accident or police reports

If you’re filing an RV insurance claim, make note of any custom features, accessories, or upgrades, as these may impact the valuation of your vehicle.

Step 2: Review Your Coverage

Before you officially file, take a moment to review your policy. Every recreational insurance plan is unique, and knowing your coverage in advance will prevent surprises. Pay attention to:

  • Collision coverage – Covers repairs or replacement after a crash with another vehicle or object.
  • Comprehensive coverage – Protects against theft, vandalism, fire, animal damage, and severe weather.
  • Deductibles and filing deadlines – Know what you’ll pay out-of-pocket and how long you have to submit your claim.

For RV insurance, you may also have coverage for personal belongings stored inside your vehicle — something many owners forget to claim.

Step 3: Contact Your Provider

Many insurance companies, including Happy Camper Insurance, offer several ways to file a claim — online, through a mobile app, or by phone. When you reach out, be ready to describe the incident clearly and provide all documentation. The more complete your initial report, the faster the process will move.

Step 4: Work With Your Adjuster

Once your claim is submitted, an insurance adjuster will be assigned to evaluate the damage. They may:

  • Inspect the vehicle in person or remotely through photos and videos
  • Speak with witnesses
  • Provide an estimate for repairs or the replacement value

While we can recommend trusted repair facilities, you always have the right to choose where your vehicle is repaired. If your RV, boat, or powersport vehicle is declared a total loss, your payout will be based on its actual cash value at the time of the incident.

Step 5: Understand the Payment Process

Depending on your provider and the type of claim, payments may be made directly to you or to your repair shop. If another party is at fault, you also have the option to file with their insurance company, and we can help guide you through that process.

Special Considerations for Theft

If your RV, boat, or powersport vehicle is stolen and you have comprehensive coverage, file a police report immediately. Your insurance will typically cover the actual cash value of the vehicle, minus your deductible. If the vehicle is recovered before payout, your adjuster will assess any damage and determine coverage. If it is recovered after payout, ownership usually transfers to the insurance company.

Recreational Insurance with Happy Camper: Here to Protect Your Next Adventure

Filing a claim is much easier when you know the process and have the right coverage in place. At Happy Camper Insurance, we work with you to choose a recreational insurance policy that fits your RV, boat, or powersport vehicle — so when the unexpected happens, you’re ready. Contact us today to find coverage that suits your lifestyle and keeps your adventures protected.