Well we know the Insurance company is in cahoots with the dealer.. After our TT got damaged, the insurance man told me to meet him at the dealers.. I told him I could fix it myself for a couple hundred bucks .... but he Insisted the dealer should do the work and paid him $5K.. for the repairs...
Thinking now , the insurance man got a "taste" of that ...they did seem rather "chummy"...
Any local inspectors have probably already "worked" with the dealers in the past ... Best find a seasoned Old Timer with much Trailer experience , who is NOT in the business... someone who will work for you and Not a dealer ... and can give you a THOROUGH and Honest inspection..