The top RV Insurance companies will cover the damage your roof experiences due to collision with a tree, a sign, a building or any low hanging obstacles. When insurers write the check for a roof replacement, it has no further liability and considers this to be the end of the claim. Claims based on situations that are considered maintenance, like leaking that occurs around caulking joints are denied on a regular basis, though. Water damage from old A/C gaskets, cracked skylights or exposed screws are also considered to be maintenance-related situations, and will not be covered by insurance.