Couple other benefits of using them for me was that I'm no longer required to insure the house at what it would cost to rebuild in order to get replacement value coverage.So lets say I only owe 100k on the house but I want replacement coverage on it.

Most common is a replacement cost policy, which covers the materials and labor needed to rebuild the home from scratch.

Insurable value is what it would take to rebuild your home in the case of a catastrophic event with regards to Material, Labor, and resources.

In the end, I think the bathroom was under $2K completely redone and total time it took was only a few days (vs a week plus with full demo and rebuild of a new bathroom).  

Here's the news story on that and one frustrated families adventures similar to mine:FEMA Restrictions Keep Natomas Homeowners From Rebuilding

My credit score is low, because I never knew as a kid, that you could destroy it so easy and it would be such a pain to rebuild. 

Major issues we dealt with on one home were the two sides of the modular did not match up on the roof flip and caused us to basically have to rebuild the roof on site, we were compensated but the process was long and painful.  

If on the other hand they have $60,000 saved they should also have been rebuilding their credit.

When I asked my insurance company about the high rebuild costs they said that the high rebuild estimate was based on the fact that these were older homes in established neighborhoods and if there was a catastrophe and the homes needed to be rebuilt they would be considered "custom" rebuilds which of course means higher premiums.

I think we are much better at going to a country and defeating its government than in controlling the country afterwards or rebuilding it into some kind of civilized place.