Just for comparison; while in Alaska I didn't see a frost-heave and hit it at ~45 MPH. A month after we got back home I noticed a crack in the filon siding of our 5er. I filed a claim, not mentioning the frost-heave incident. The adjuster said it was frame failure, and the aluminum framing was faulty; claim denied.
I took the 5er back to the factory for inspection. Yes the aluminum framing was broken, but they denied it was faulty. I had them repair all damage and paid out of pocket.
You can't win against and insurance company unless you have deeper pockets.
2000 Winnebago Ultimate Freedom USQ40JD,
ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG 11B5MX,Infantry retired;Good Sam Life member,FMCA." My fellow Americans, ask not what your country can do for you, ask what you can do for your country. John F. Kennedy