Hidden damage is generally internal damage not visible to the naked eye. It is very often left unrepaired on motor homes and travel trailers, because it was not discovered. The RV has obvious minor damage to the front lower panel.
These types of vehicles have heavy frames, axles, wheels and tires. The body panels (outer shell) however are lightweight. Many panels are also flexible and when impacted they may be driven inward several inches. The panels spring back to their original shape leaving the impression the damage is minor except for a few visible stress cracks. Internal support damage may not be discovered.
Did the windshield just pop out? Is there internal damage that should be looked for?
Coachmaster Collision has written many estimates where other shops have been a thousand or more dollars less in cost. Evidently, the shops do not understand the extent of the damage and could not include the hidden damage on the estimate. Fortunately in almost every case the customer selected Coachmaster because of our thorough estimate. An accurate and thorough estimate is what an RV owner expects and so does his Insurance Company.
Damage to the inner body support caused the front panel to move inward too far, causing the windshield to pop out of its retainer.
I especially remember an estimate from another RV repair shop because it was so poorly written. The parts were not named correctly and the list of necessary parts, labor and repair was incomplete. The Insurance Company adjuster called Coachmaster Collision for assistance…even though Coachmaster Collision was not going to perform the repair. The RV owner was a personal friend of the RV business owner and insisted the repairs be completed at his friend's business.
The Insurance adjuster called Coachmaster's RV estimator, Allan Gordon, for assistance. At their request Allan traveled to the other shop and prepared an estimate. Insurance Companies require a very detailed estimate. The Department of Insurance Regulations require specific details of repair procedures to be included. Not all Insurance Companies have trained RV adjusters. They hire independent adjusters or depend on a professional repair facility to write a complete and accurate estimate. In this case the Insurance Company agreed to compensate Coachmaster Collision to prepare an accurate estimate.
Repairs required removing the windshield. Green and blue area indicate repairs to fiberglass fractures.
Unusual? Yes, but this Insurance Company went out of its way to protect The RV owner it insured. The Insurance Company's decision to obtain an accurate estimate most likely saved a friendship between the RV owner and the RV shop owner as well as avoiding a large headache for themselves.