My question involves insurance law for the state of: Texas
We own a 2006 fifth wheel travel trailer that we use for weekend camping. In early April we started getting it ready for spring/summer by cleaning the outside and inside. While up on the roof we noticed a few spots in the caulking around the rubber roof that looked detached from the siding so we recaulked and moved on. There was also a cracked vent lid that we replaced. The next day we moved to the inside and found a lot of water damage. There is quite a bit of mold and mildew in the bedroom area, soft walls, etc. We called the insurance company and after a few days without even coming by to look at it, they called to let us know that the claim had been denied because this falls under the category of "wear and tear", which is not covered under our policy.
The trailer has been parked in our driveway over the winter and other than occasionally going in to grab something we hadn't spent much time in it since October.
Is there anything we can do? Would an appeal be a waste of time? As stated before, it is a 2006 model that we have kept here at home, kept clean and done regular maintenance on.
Thanks so much for any input.