see, that may be because you are in a state with a lot of BLM land. State Farm in KY told me they wouldnt cover such incidents.I had a flop on a BLM trail in 2008 with my 2004 TJ Rubicon. There was about $6k worth of damage, mostly to hood, fender, windshield frame, windshield, door, soft top, and scratched wheels and rear corner armor (I had the stock wheels painted black). State Farm covered all of it ($0 deductible). When my agent asked where and how it happened, told her I was offroading on a BLM trail and the Jeep rolled into a gully where the trail had washed out.
I asked the body shop for the prices of the replacement parts, which they gave me. Their cost for a replacement soft top was pretty high, so I asked if they would purchase a Viking Fastback soft top for it, which was cheaper, and they agreed. They even repainted all of my wheels and rear corner armor since the black paint they used was slightly different than what I had used.
My agent asked if anything was damaged which wasn't stock and I told her about the painted wheels and corner armor. She said it was covered. I didn't check my policy, nor have I checked it for the JL, but will be doing so.