Homeowners insurance in Texas

Manufactured home insurance is different than other types of homeowner insurance. Resolve your questions and concerns here!
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richard s
Posts: 8
Joined: Sun Jul 26, 2009 5:29 pm

Homeowners insurance in Texas

Post by richard s » 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.

Posts: 1086
Joined: Thu May 25, 2006 6:49 pm

Re: Homeowners insurance in Texas

Post by rmurray » Sat Feb 13, 2010 6:59 pm

Your agent should be more up to speed on Texas insurance law than most here...I would listen closely to him and if not satisfied check with an insurance knowledgeable attorney...

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