Insurance--if you would have contacted them as soon as the water problem/slide would have happened they would have helped--would have had you move the mh or move it and fix the problems--retaining wall/french drain/drywell.maybe pour a concrete pad under mh--then move it back--but now--if you call your insurance agent--they will cancel the policy--is this a lost cause?? well no but will cost to fix so do you have the money to fix or cheaper to move---where to start--rats you are infested get professional help,they can be in the roof/walls/floors/duct work fix the moisture problem,dig out slide,retaining walls,a lg french drain all around the mh,put a vapor barrier then tackle on room at a time--remove the floor/ wall covering, clean out rats/bad insulation,remove mold the seal up the bottom of mh and the underpinning and replace the insulation/plywood/drywall--find out what is feeding the rats--outside dogs,their food will draw in rats and other critters--this job is a lot of work but very DIY and cost hard to say--we are doing a total gut of a mh and the drywall is running @ $ 6 sheet,plywood 10-12.insulation @9 bundle,add paint and trim--a 12 x 12 room avg 200 more or less depending on how many windows--a great time to replace windows with real house windows vs mh--look for deals window manufactures in our area have windows for 70 each for all sizes--it is easy to put other size windows in a mh --we just did it here is our current project,photos are out of order we could not replace the mh with a newer model due to zoning laws,if we removed them we could not replace here is the album http://www.kodakgallery.com/gallery/sharing/shareRedirectSwitchBoard.jsp?token=739392009803%3A541222773&sourceId=533754321803&cm_mmc=eMail--Share--Photos-_-Sharee Good Luck

I'm with State Farm. We get some breaks for having multiple thnigs insured by them: 3 cars, home, personal property, and an umbrella policy. I believe that if I shopped around I could find a little lower rate for some of these items, but at the expense of not having a local office and having to deal with 3rd party people in case of claims. We've dealt with our local insurance office for a number of years and have built a relationship with them. The agency recently passed from mother to son. Yes. it may be a little more expensive, but when you need to file a claim, it is very good to have help and guidance. Over a year ago, a driver ran a stop sign and t-boned my SUV. He hit it hard enough to roll it over. After the accident, everything went smoothly for me as my agent went after the other driver and his insurance. The settlement was fair, but before arbitration was settled with the opposing insurance, my insurance covered the cost right away. The arbitration process with the other company dragged out for a year. Over a lifetime of driving, I have had a couple of fender bender claims against a parties that had low cost, out of state insurance by mail, and that was a pain. For example, they wanted me to take time off my job to look up their independent claim adjuster, chase around and schedule meeting places. I felt that I could not take the time away from a critical project i was working on. After a few phone calls, I finally told them I will tell you where the car is parked and your guy can see it any time by contacting me. I am no longer going to do your job!. The claim adjuster came to my company's parking lot and examined the car. This one sample of what one might face with a fly-by-night operation. I had to become resistant else I would have been running all over town getting 3 estimates on my time. The fender did get repaired by a guy working out of his private garage at his residence and the paint job was less than spectacular, but acceptable for an every day driver. While it was being repaired, I had to use my other car - A loaner was not offered. Maybe a loaner was available, but again, one had to agitate to get it. In this case, it was not worth the hassle, but it led me to think about what it would have been like if that had been a major event with personal injury. Yes, standard insurance through a company's insurance agent and office may cost more, but in my opinion, the service provided by a local professional agent is worth it.

We use American National for everything - home, auto and umbrella. (Our umbrella policy is under $300/year, iirc -- and there's no $500K deductible, though we do have to keep the limits on our auto and home higher than the minimum since those pay first-- I suspect that is what the scenario above is saying -- the $500K "deductible" on the umbrella is actually the $500K that the auto policy pays, then the umbrella kicks in for anything over that. So the mimimum auto liability has to be $500K even though the state only requires $100K) At any rate, I've not had to file a claim but when I was rear-ended, they were helpful in dealing with the other guy's insurance. However, like someone above said, I really do think you need to switch often to get the best rates -- they have steadily jacked my rates every year in spite of not having any claims. I shop once in a while but they make it hard to compare because they give you a cash-back rebate of 20% of your premium every year after you've been claim-free for 3 years. After the cash back is taken into account, they are always the cheapest....but if we ever file a claim, we lose the cash back for 3 years. It's actually genius on their part because it discourages us from filing little claims -- we get anywhere from $700-800 back every year so losing 3 years of that would cost us around $2400 in lost cash back -- ergo we wouldn't file a claim for anything under that. That said, we are going to be adding a new teen driver to our policy soon so I fear our claim-free streak may come to an end. Anyone have any good experiences with insurance companies that don't eat you alive when you add a teenage driver????

And just in case someone want to know how this is done for example... here: Damage in the family room .. wet half wall, connecting soffit , ceiling, exterior wall, and the water leaked into a fireplace and on other room side another part of ceiling, tornado damaged door, baseboards: The adjuster pays: R13 in the attic instead of R38, pays for a bogus 2" paint grade baseboards $1.40lf, exterior wall drywall, install carpet - lowest grade, OSB 4'x4'; re-nail interior door (as exterior door fix) What the adjuster did not pay: R38 insulation, 20'x14' ceilings, 3"-1/4 baseboards clear maple stain grade - $3.50/lf, stain the baseboards, new trim around the window and staining, the insulation behind the wet exterior drywall, paint the drywall [what bag pays for unpainted walls], remove/install/replace drapes next to the windows, half wall + soffit drywall and paint, repairs to the flooded fireplace, the carper removal [not just install], 20'x14' subfloors, and remove and replace exterior door + paint the exterior door + trim. Is that 20 cents on the dollar or 10 cents on the dollar? Best insurance - LibertyMutual.