Yes, the insurance company gave us the money to replace the manufactured home. The adjuster and I collaborated on the estimates, and the manufactured home dealer was helpful to us both in that process. We provided a recent appraisal and the blueprints we’d just made for our addition. The adjuster thought we were a dream job, with so much forthcoming information. Then of course we added our own money that we’d saved, a line of credit, and the code upgrade coverage, and we ended up with a much better house.
There was no financial gain in the fire as far as the house goes. We were insured enough to be compensated for the financial loss.
The non-financial loss was that my husband never got to do the addition he designed and worked on so hard, even studying all the building codes and working side by side with a structural engineer, making calcuations, etc. This is still a loss for him to this day. He had made the blueprints and got them approved the night before the fire. We lost all our family pictures and videos too, and other heirlooms. My kids were frightened by the experience.
sdrealtor, it takes a real asshole to congratulate someone on having their home burn down. Since that fire, you are the first person to congratulate me for losing my home in a fire. Are you even human? What a lowlife….
