We had the roof bubble and still within warranty but asked Redwood fo9r an alternate roof and they approved although I realize yours is an insurance issue not a warranty issue. But I do think even still a consideration of the alternate lifetime warranty is worth the time and and money and is also passed along to the next owner for warranty. We chose Elite RV im Palmetto, Fl and the system is RV FlexArmor. ROOF. Practically no maintenance, no caulking and there's a one time fex if a A/c goes out or other .

Hope this is helpful.