Mobile Home Insurance Problem

[Robert Burns]

I recently had damage caused by Hurricane Issac on one of my mobile homes and had Foremost Insurance come out to assess the damage and file a claim.

I was very disappointed to find out I have "loop hole" clauses in my policy that have basically reduced my claim to nearly zero.

For instance there is a clause;

"damage must be caused by storm induced openings"

I've had water leakage into several spots in my mobile home and the adjuster said he could not see any "storm induced openings" that caused the damage.

Another one is:

"not responsibe for wind blown rain" damage

Now how many of you think hurricanes can cause "wind blown rain" damage. How about every hurricane?

Additionally the adjuster found some rotted wood in a few places in the edge of the roof. He took that opportunity to use the "rotten wood" excuse for all the water leakage into my mobile home so NONE of the water damage was covered.

I am so tired of being "ripped off" by these insurance companies who are so happy to take you premiums and then find ever way possible to not pay when damage occurs.

I not sure how these people "sleep at night"!

I do not recommend Foremost or their parent company Farmers as they will do the same thing to you.

[Phillip Dwyer]

Robert Burns you should listen to what Joe has to say even more then, because he's in the trenches everyday. He has nothing to gain by responding to your post.