Greetings & Welcome!
Insurance can be a huge problem for DIY campers. Basically if you modify a vehicle in any way, and don’t get it approved by yourr insurance company, that gives them an excuse to deny any claims. Many insurance company’s will take your money, but then deny your claim and cancel your policy.
My insurance man said “You can haul anything you want, and secure it, but you can’t modify the vehicle in any way, or your claim can be denied. There is an exception if the work is done by a licensed, bonded, and certified contractor or business. In your case, (my case), that means an RVIA certified shop or contractor that can put in writing that the RVIA safety standards have been met.”.
In short, the insurance companies will screw you over whenever possible. All that fine print is for their benefit, not yours.
Good luck & keep us posted!
"Beat Murphy's Law with a KISS! (Keep It Stupidly Simple)" ~ Van_Dweller