Personally if it were me, I would ask our local independent service for their opinion and then deal with either the insurance company or dealer. Why the independent? Because once the warranty is over & something happens they would be fixing it for me.
We had a minor accident with ours - chipped out the gelcoat to avoid a deer & the truck/trailer went off the side of the road. We didn't even bother with dealer - the insurance covered it and the independent fixed it. They did an awesome job.
And for the record, thank goodness for a dually truck. It kept us from tipping over the unit as we continued on to get fully back on the road.
Dennis & Donna Dohme
2016 36FBTS Pinnacle
USMC Veterans (both of us)