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Thread: In$urance/Mobile $cam

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    God/dess whirlerz's Avatar
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    Thumbs down In$urance/Mobile $cam

    Ok, so today claims adjuster stops by, reviews damage. He says I need a new roof, & I'm even eligible for carpeting, power wash, etc. He goes in his truck, works it out on laptop, & says he can settle claim here & now. Good, right? Nope. He come out of truck w/a weird embarrased look, says he can approve regular home claims but not mobile home ones. He said he didn't even know this. He says it will have to be reviewed/looked at by another person (I can't remember the title he mentioned) & then I will get my $. Ok, right? NOOOOO.
    He then says that because the mobile home park is listed as 'finance company' (it's was paid in full when I bought it) that their name will be on the check I get, & I will have to 'work it out' w/them to get my $. He said some parks hold the $ in escrow till the works is done .
    Soo, that's why the maintenance guy ran up to me, (who never speaks to me) right after the fact, & asked me if I called my insurance co. "Thanks, I said, I'm ok, sweet of you to ask". By the way, the mobile park owns the land my house sits on, it was their tree (which hadn't been trimmed in yrs.).Why the f*ck didn't THEY call THEIR insurance co. Not to mention, the area was declared a disaster by the gov., so the landowner will reap that benefit. I re-read my lease, I don't see anything about disasters in there.
    So, I expect that I will get $hafted here. I called my ins. agent. & left a message that I'm really upset about this. Her assistant said their listed on my policy as an 'interested party' meaning like in a condo


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    Banned Melonie's Avatar
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    Default Re: In$urance/Mobile $cam

    for the third time, I'll ask an idle question ... does this insurance cover fire damage ? LOL

    In a bizarre sort of way, owning a mobile home but leasing a 'parking space' in a mobile home park is the worst of all worlds. At least when renting an apartment the 'landlord' has a great deal of responsibility, and the 'tenant' has very little responsibility, in the way of maintenance. However, since the 'landlord' does not own the mobile homes, in mobile home parks the majority of maintenance responsibility shifts to the 'tenant'. But in mobile home parks the park still holds title to the basic property, and all of the rights that go along withholding that title.

    With the way this insurance is set up, you've basically got three choices ...

    A. do nothing - your mobile home doesn't get repaired and the park owner pockets the insurance settlement money (no wonder the park maintenance guy said thank you)

    B. pony up thousands of dollars out of your own pocket to have your mobile home repaired - and then maybe the park owner will (partially) reimburse you out of the insurance settlement money

    C. do you have fire insurance ?

    ~
    Last edited by Melonie; 09-06-2007 at 04:01 AM.

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    God/dess whirlerz's Avatar
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    Default Re: In$urance/Mobile $cam

    I have a mobile home insurance policy, I would think it covers fire. I've rented for years, (always apts. til this) & never used it. I have said that before. I haven't had one yet, thank God.
    I intend to have it repaired, however, 'ponying up' my own $ is fully & completely out of the question. If they want to pocket $, then fine, I guess I'd have to report them for fraud?


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    Member texasdancer's Avatar
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    Default Re: In$urance/Mobile $cam

    My father was in MHP business, so I can speak with some authority about your situation. I am assuming this is your insurance company that is insuring your home. If the title of your home has you as the owner and there is not any lien holder, the check goes to you. The land owner does not have any claim on that check. However, if they are listed as a lien holder, but that is paid off now, you need to get them removed from that document, or a satisfaction of mortgage (it is paid off). Your insurance company may, or may not, have a claim against their insurance. That will be a matter they will handle, after they pay you off. If the tree was healthy, had not been reported as damaged, it is considered 'an act of God' and there is not any further claims. Any disaster area declaration by the State or Federal government will allow for either no interest or low interest loans that are available to you as well as the land owner. You should not have any problems once a claims adjuster authorized to settle your claim looks at it. Be careful about accepting any check until you are sure that it will cover the cost of damage.

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    Banned Melonie's Avatar
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    Default Re: In$urance/Mobile $cam

    If they want to pocket $, then fine, I guess I'd have to report them for fraud?
    unfortunately, it's not fraud ... because the trailer park owner is listed as an 'interested party' with the insurer and and because you are bound to them by a lease, exactly like a condo building owner. Thus from the insurer's standpoint you and the trailer park owner are 'joined at the hip' with the trailer park owner holding the title to the property, exactly like a condo building owner. It does not matter if you 'own' your trailer any more than it matters who 'owns' a condo unit ... neither is a complete livable entity. The trailer park owner is entitled to hold the insurance check in 'escrow', to insure that the damage to HIS property is repaired as well as the damage to YOUR property. Thus unless and until you pay out of pocket to have the damage repaired. the trailer park owner has no obligation to hand over the insurance check proceeds. After all, from the trailer park owner's point of view, you could call in a tractor and move your trailer off his property tomorrow, leaving him with property damage and no insurance money to fix it with.

    This would be different if you also owned the land under your trailer.

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    Member texasdancer's Avatar
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    Default Re: In$urance/Mobile $cam

    There is no reason for the park owner to be an interested party. You would lease, or rent on a month to month basis the land that your home sits on. They cannot hold you responsible for a tree coming down on their property. They are responsible to you, if the tree was damaged in some way, but if it was a healthy tree that came down for natural reasons (example, a storm) then they are not responsible to the damage to your home, nor are you in anyway responsible for the tree. By way of example, if the insurance company gave you $20,000 and you felt the home was not worth that and you were going to abandon it, then you would have to have it removed from the property at your expense. Should you not remove it, the owner's only method to make them 'whole' would be to take you to civil court. Unless there is a quirk to the law in your State, they cannot be made party to your insurance check unless they are a lien holder. The only way that you and the property owner are intertwined, is by way of your lease. My best guess is that if you removed your home because of storm damage, your lease is void at that point. The only comparison that is valid with a condo, is a condo MHP, in which case you would own the lot you sat on.

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    Default Re: In$urance/Mobile $cam

    I have to disagree Mel. It is not like a condo.

    If the trailer park has no lien against the improvements, they have no claim on any settlement regarding those improvements.

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    Featured Member Vamp's Avatar
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    Default Re: In$urance/Mobile $cam

    It would depend on if she is renting to own or leasing from the park directly. If the home has a seperate loan from it outside of the park than texasdancer would be correct.
    Nature knows no indecencies; man invents them. ~ Mark Twain


  9. #9
    God/dess whirlerz's Avatar
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    Default Re: In$urance/Mobile $cam

    Quote Originally Posted by texasdancer View Post
    There is no reason for the park owner to be an interested party. You would lease, or rent on a month to month basis the land that your home sits on. They cannot hold you responsible for a tree coming down on their property. They are responsible to you, if the tree was damaged in some way, but if it was a healthy tree that came down for natural reasons (example, a storm) then they are not responsible to the damage to your home, nor are you in anyway responsible for the tree. By way of example, if the insurance company gave you $20,000 and you felt the home was not worth that and you were going to abandon it, then you would have to have it removed from the property at your expense. Should you not remove it, the owner's only method to make them 'whole' would be to take you to civil court. Unless there is a quirk to the law in your State, they cannot be made party to your insurance check unless they are a lien holder. The only way that you and the property owner are intertwined, is by way of your lease. My best guess is that if you removed your home because of storm damage, your lease is void at that point. The only comparison that is valid with a condo, is a condo MHP, in which case you would own the lot you sat on.
    The tree was rotted, on the inside, although it was growing branches/leaves. I know, I shot my self in the foot by getting this place. It is fully paid for, (the mobile). It's not a condo MHP> I don't own the land it sits on. I pay lot rent which covers water, sewer, & garbage. I just spoke to me agent, she is looking into why they're on the check with me. She will call me back today. Btw, the landowner also owns a disposal co. & insurance co. along w/another park (or more). I was on an 8ft. ladder Tues, to try & fix the siding on the other side, where the rain comes in. I just got off another damn ladder (of which I'm deathly afraid) to cover the roof damage w/plastic, in case of rain which is expected. They don't care about the tree(s) here. I would not be moving this piece of sh*t. I'm sorry, I'm just upset here, I'm not used all this, I deal w/enough with my mom & health issues. I prob. don't make a lot of sense


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    God/dess whirlerz's Avatar
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    Default Re: In$urance/Mobile $cam

    Quote Originally Posted by Melonie View Post
    unfortunately, it's not fraud ... because the trailer park owner is listed as an 'interested party' with the insurer and and because you are bound to them by a lease, exactly like a condo building owner. Thus from the insurer's standpoint you and the trailer park owner are 'joined at the hip' with the trailer park owner holding the title to the property, exactly like a condo building owner. It does not matter if you 'own' your trailer any more than it matters who 'owns' a condo unit ... neither is a complete livable entity. The trailer park owner is entitled to hold the insurance check in 'escrow', to insure that the damage to HIS property is repaired as well as the damage to YOUR property. Thus unless and until you pay out of pocket to have the damage repaired. the trailer park owner has no obligation to hand over the insurance check proceeds. After all, from the trailer park owner's point of view, you could call in a tractor and move your trailer off his property tomorrow, leaving him with property damage and no insurance money to fix it with.

    This would be different if you also owned the land under your trailer.
    Well ok, that sounds right, but not just.
    Another rip-off. If I had a chance in hell I'd just back the f*ck outta here. I know that when ppl are desparate to move, they end up getting a pittance for what they paid for their place since they're nearly impossible to sell, deprciate, etc & they don't want to continue paying lot rent. Then he turns around & profits. Nice


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    Default Re: In$urance/Mobile $cam

    If you have, or could have water damage, you should contact the insurance company, noting the time and date and to whom you spoke with. Also, if you have it, keep the card of the agent that has already been there. You have a responsibility to mitigate any further damage, however, once they had been there and saw the damage, my feeling is that the responsiblity has shifted to your insurance company. Keep in mind that, if water has gotten in, there will likely be damage that cannot be readily seen by the naked eye. Further, the chance of mold will also be there. My greatest concern for you is that they will try to estimate this low for you. You need to have your own contractor lined up to do the work.

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    God/dess whirlerz's Avatar
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    Default Re: In$urance/Mobile $cam

    Ok, thank you so much. I spoke to agent, I believe the financial end is gonna be straightened out.
    I'm sorry if I sound like a hysterical bee-otch. This was upsetting, I really don't have anyone knowledgable to discuss with.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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