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Karen,
You have already gotten some good advise and I hope you will contact Keystone. I can't imagine ANY company would believe that a real frame problem is "normal wear and tear". A frame of almost any age should NOT flex too much and certainly should not normally break! If Keystone won't make it good for you then certainly your insurance should!
Good luck and keep us informed. It will be very interesting to see how things evolve. Dennis
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