According to a press release from International Insurance Group, many RV insurance claims fall into two categories: claims in the first 90 days of ownership and the "I forgot" type of claims. This second category is more likely to happen in the beginning of the season. They could be "I forgot to unhook the hose" or "I forgot to lock the slide in" or similar items.
In the first case, the claims relate to inexperience. In the second case, the RVer may be experienced, but isn't into the routine of getting his RV ready for travel. If your claims exceed your deductible, it will mean your rates will go up. For that reason, they recommend a checklist to go through when you get ready to leave.
Many checklists are available by doing a search. And, you can copy and paste this list and create your own checklist on your computer. Adrienne Kristine, author of the ebook, Frugal RVing or Pinching Pennies without Getting Bruised, provides several in her ebook. See this page to order it - instant download or CD. Adrienne suggests laminating them and using a marker to check things off, then erase and reuse.
If you are not a full-time RVer, or your RV has been parked in one place, a checklist is definitely a good way to avoid those pesky "I forgot" claims. Jaimie Hall Bruzenak
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