Literally; don't ask; it involved a horizontal bar and clipped a corner and two small tears. Wood splintered on the corner and gutter bent. (don't have pics but patched and dry til we got home). Dealer wants to replace so warranty is still good on this 2018 HT. Insurance company, I'm told, wants it repaired. Haven't called IC and thinking I should call Jayco for recommendation. Any advise or experience from similiar boo boos? TIA!