old mh with insurance

[kim]

I have a mh that is over 20 years old. It is falling apart. when we moved in 5 years ago, it was only worth $10k. We've had to replace the stove, fridge, kitchen cabinets, and completely rebuild a rotted, moldy bathroom. We still have a mold problem, a rotten floor at the backdoor, a broken heater/ac unit, and some of the blocks underneath are broken, and need to relace the water heater. To top it all off, we have leaks everywhere. The windows are constantly seating from all the moisture. I've bought a dehumidifier to help. I really don't want to put another dime in the house. I have insurance, but have never filed a claim, and don't know if its possible to get the agent to "condemn" the mh. I'm afraid of wording my question in a wrong way. Please advise as to my options. I can't sleep at night for worry.

[Mark]

Sorry, but insurance won't pay for a home just because it hasn't been kept up.
They MIGHT pay for mold damage/clean up, but you'd have to read your policy to find out, for MH insurance, I doubt that it's included.

The first two things you need to fix are the blocks (foundation), if insurance finds these blocks damaged, they might drop your coverage. Then fix the roof, until you get the leaks under control, any repairs you do on the inside are pointless.