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Old 08-26-2020, 08:47 PM   #15
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Join Date: Aug 2001
Location: North America somewhere
Posts: 23,660
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.
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