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The Water Cooler
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Mobile Home Insurance & Mortgage Questions
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<blockquote data-quote="RustyW" data-source="post: 2587555" data-attributes="member: 8929"><p>I and my sister have both been through something similar. I bought a 24x48 mobile home & 11 acres in 2000. I borrowed the $$ from my local bank. They had a company they worked with that provided insurance on the loan incase something went wrong, tornado blew it away etc. In 2009 we had a storm come through & blow over some trees, one of which landed on the roof. Called the bank, told them what happened. They sent an adjuster out & took some pics, a few weeks later I get a check in the mail to get the roof fixed. About 4-5 months later I get a letter saying they have dropped me. I start shopping for insurance and nobody will insure the place because there is no ser# on the frame anywhere to be found. I remodeled it when I bought it, new sheetrock, ceiling, floors, cabinets, the works, never paid attention to a ser#. It is rocked around the bottom in place of underpinning, no axles under it and no tongue's to be found. A few company's have been out to look at it but no ser#, no insurance.</p><p>My sister has a double wide and about 7acres that is around 15 years old. She moved out of the country & back to town. It is vinyl sided and underpinned. She has tried to sell it for about 4-5 years but the banks will not loan $$ on it since it's over 10 years old. She has insurance on it & it's now rental property... a whole nuther subject.</p></blockquote><p></p>
[QUOTE="RustyW, post: 2587555, member: 8929"] I and my sister have both been through something similar. I bought a 24x48 mobile home & 11 acres in 2000. I borrowed the $$ from my local bank. They had a company they worked with that provided insurance on the loan incase something went wrong, tornado blew it away etc. In 2009 we had a storm come through & blow over some trees, one of which landed on the roof. Called the bank, told them what happened. They sent an adjuster out & took some pics, a few weeks later I get a check in the mail to get the roof fixed. About 4-5 months later I get a letter saying they have dropped me. I start shopping for insurance and nobody will insure the place because there is no ser# on the frame anywhere to be found. I remodeled it when I bought it, new sheetrock, ceiling, floors, cabinets, the works, never paid attention to a ser#. It is rocked around the bottom in place of underpinning, no axles under it and no tongue's to be found. A few company's have been out to look at it but no ser#, no insurance. My sister has a double wide and about 7acres that is around 15 years old. She moved out of the country & back to town. It is vinyl sided and underpinned. She has tried to sell it for about 4-5 years but the banks will not loan $$ on it since it's over 10 years old. She has insurance on it & it's now rental property... a whole nuther subject. [/QUOTE]
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