Homeowners insurance in Texas
Posted: Sat Feb 13, 2010 12:07 pm
I have had Foremost Ins. for years. On a whim I thought I would see if I could get my manufactured home insured as a stick built. Went through my Farmers agent and they approved it. Under Texas law could they refuse a claim in the future because it isn't a stick built home? My agent reassured me that once it is written that Farmers is obligated. My concern is they may use a "if you don't ask we won't tell clause" to deny a claim. For example if I did occur storm damage they would deny because the home wasn't built to local code, if that was stricter than the HUD code. Thanks, any input is appreciated.