We haven't for rain or hail but we did for bullet damage but this was years ago.
Our new 5th wheel was in storage(haven't even camped with it yet) and when we pulled it out for our first trip of the year I noticed a very small hole in the roof. Upon further inspection I found a bullet inside the coach. I figure someone near the storage lot was celebrating New Years and fired almost straight up...
Our insurance covered it no questions asked. They replaced the entire rubber membrane for a small pea sized hole. Of course this wasn't an "act of god" so it may have been covered better than hail damage...
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