RV Insurance Inspections

Professional motorhome insurance inspections to get you the coverage you need or compensate you for your losses.

At a glance...
To satisfy basic insurance carrier requirements.
After an accident to assess severity of damage.
Includes detailed report documenting all damages discovered.
What are Insurance Inspections?

An insurance inspection is a documented evaluation of an RV’s overall condition and risk profile, performed to provide insurance companies with accurate information about the unit they are being asked to insure or continue covering.

Also, there is a second type of inspection referred to as a Post-Loss Damage Assessment or Insurance Claim Inspection. Its purpose is to document the cause, extent, and impact of damage following an accident or incident.

The goal is to get you top dollar for your claim by properly assessing the damage, including areas of the RV that may not have sustained visual damage but may have been affected in some way.

Average Cost of an Insurance Inspection
$295 - $395
Who should get
an insurance inspection?

Insurance inspections are most commonly needed by RV buyers, owners of older units, and anyone seeking new or updated insurance coverage.

Many insurance providers require an inspection before issuing comprehensive or full-timer policies, especially for higher-value motorhomes or RVs over a certain age.

Additionally, policyholders who have sustained covered damage can use our services to fully document the extent of damage sustained to the RV to ensure they get fully compensated by their insurance companies.

Either way, Specktion can help you when you need us most.

What's Included in an Insurance Inspection?
RV Post-Accident / Insurance Damage Inspection Checklist
Actual inspection will vary depending on severity and location of damage.
Photo & Documentation
  • Wide photos of all four sides
  • Close-ups of all damaged areas
  • Roof overview photos
  • Undercarriage photos if damage is suspected
  • Interior overview photos
Exterior Body Damage
  • Impact points identified
  • Cracks in fiberglass or gelcoat
  • Delamination caused by impact
  • Broken or detached trim
  • Compartment door damage and alignment
  • Window and windshield damage
Structural Impact Assessment
  • Frame damage (bends, twists, cracks, weld separation)
  • Slideout frame or mechanism distortion
  • Wall structure separation
  • Floor structure compromise
  • Roof structure deformation (especially after rollovers or tree strikes)
Mechanical & Chassis Damage (Motorhomes)
  • Steering component damage
  • Suspension damage (leaf springs, control arms, air bags)
  • Axle misalignment indicators
  • Driveshaft or differential damage
  • Engine or transmission fluid leaks caused by impact
  • Exhaust system damage
Towing & Running Gear Damage (Towables)
  • Axle displacement
  • Bent spring hangers or equalizers
  • Tire and wheel damage from impact
  • Tongue or A-frame bending
  • Coupler damage
Roof Damage
  • Membrane tears or punctures
  • Cracked skylights or vents
  • A/C unit shroud or mounting damage
  • Sealant separation caused by structural flex
Water Intrusion Resulting from Damage
  • Open seams from impact
  • Broken seals around windows or slideouts
  • Moisture meter findings near damaged areas
  • Interior staining that appears incident-related
Interior Damage
  • Cabinet separation from walls
  • Broken furniture mounts
  • Wall panel cracks
  • Ceiling panel separation
  • Appliance displacement
  • Flooring damage from structural shift
Appliance & System Impact
  • Refrigerator movement or cooling unit damage
  • Furnace or water heater vent misalignment
  • Generator mount or exhaust damage
  • Plumbing line breaks
  • Electrical wiring pulled loose or pinched
Safety System Damage
  • LP lines pulled loose or crushed
  • Battery compartment damage
  • Propane tank mount damage
  • Fire suppression or detector damage
Fire, Flood, or Storm-Specific Damage (If Applicable)
Fire
  • Heat deformation patterns
  • Smoke intrusion areas
  • Soot contamination in compartments
  • Melted wiring or components
Flood
  • Water line indicators inside RV
  • Contaminated insulation
  • Electrical corrosion
  • Appliance submersion indicators
Storm / Tree Impact
  • Point-load roof damage
  • Sidewall crush points
  • Broken vents or covers
Operational Limitations Noted
  • Slideouts unable to operate
  • Doors or compartments not opening
  • Systems unsafe to test due to damage
  • Generator or engine unable to run

NO ONE CAN OFFER YOU A MORE
DETAILED RV INSURANCE INSPECTION

At Specktion, we are setting the GOLD STANDARD in Florida motorhome and trailer inspections. Whether it's because of our years of experience, advanced equipment, or our attention to detail, no one in Florida can match our expertise and efficiency.
Serving the Southeast Coast of Florida
  • Miami
  • Fort Lauderdale
  • West Palm Beach
  • Jupiter
  • Okeechobee
  • Stuart
  • Port St. Lucie
  • Fort Pierce
  • Vero Beach
Two of the Best at Your Service
Years of experience working for you!
NOT QUITE READY?
Got a Few Questions?
RV inspections with your safety in mind!
Please feel free to call us anytime at
772-774-7978
between the hours of 8:30 AM and 7:30 PM Monday - Friday Eastern time.
Frequently Asked Questions
Do you inspect Teslas, hybrids and other electric vehicles?

No we dont. It is for the most part the same as our standard inspection except of course there is no engine inspection.

You can get more info on our electric vehicle inspection page.

Do you inspect Teslas, hybrids and other electric vehicles?

No we dont. It is for the most part the same as our standard inspection except of course there is no engine inspection.

You can get more info on our electric vehicle inspection page.

Do you inspect Teslas, hybrids and other electric vehicles?

No we dont. It is for the most part the same as our standard inspection except of course there is no engine inspection.

You can get more info on our electric vehicle inspection page.

Do you inspect Teslas, hybrids and other electric vehicles?

No we dont. It is for the most part the same as our standard inspection except of course there is no engine inspection.

You can get more info on our electric vehicle inspection page.

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Call Us At
772-774-7978
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SERVING SOUTHEAST FLORIDA
LICENSED AND INSURED
Customer Service Hours
Monday - Friday 8:30 AM to 7:30 PM
Saturday 10 AM to 4 PM Eastern Time
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