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Having worked in the automotive repair industry for the last 40+ years and dealing with the insurance industry claims process, I suspect what has occurred is as follows: leaf spring brackets are a known issue in the RV industry and have failed due to “non accident” related issues. The insurance industry will be very aware of this. As such, they are declining coverage.
If there is evidence of impact of a foreign object around the hanger / bracket where you can show the damage was caused by that impact, you may get the claim paid.
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