Lone Star Mobile Home Insurance Claims
in San Antonio and surrounding areas.
Making Insurance Claims for your Mobile Home Easy and Stress-free.
We Make the Process Easy and Stress-Free!
Filing an insurance claim for mobile home renovations doesn't have to be a headache. At Lone Star Mobile Home, we know how frustrating it can be to deal with damages caused by storms, leaks, or other unexpected events.
​
That's why we take the hassle out of the claims process and work directly with your insurance company to make sure you get the coverage you deserve.
​
If your mobile home has suffered damage, don't wait - delaying repairs can lead to even bigger problems down the road. Let our experienced team handle your claim and restore your home to its best condition.
We Work for You, Not the Insurance Company
Some insurance providers might try to minimize payouts, but we fight to get you the maximum benefits under your policy. With years of experience handling mobile home insurance claims, we know exactly what documentation and estimates are required to ensure a smooth approval process.
Types of Insurance Claims We Handle
Storm Damage
High winds, hail, and heavy rain can cause serious damage. We restore your mobile home fast!
Water Damage Restoration
Leaks and flooding can ruin walls, floors, and insulation. Let us fix it before mold sets in.
Fire & Smoke Damage
From small kitchen fires to major damage, we handle the cleanup and repairs.
Structural Repairs
If your mobile home's roof, siding, or foundation has been compromised, we'll reinforce and rebuild.
Vandalism & Accidental Damage
Unexpected damage? We've got you covered!
Pest Damage Repair
Termites, rodents, and other pests can cause severe structural damage to mobile homes, weakening floors, walls, and insulation.
Frequently Asked Questions
-
How do I file an insurance claim for my mobile home?
Contact your insurance provider as soon as possible after the damage occurs. Provide details about the incident, take photos of the damage, and complete any necessary claim forms. An adjuster will inspect the damage before approval.
-
What types of damages are covered under my mobile home insurance policy?
Coverage varies by policy, but most standard policies cover damage from fire, windstorms, hail, theft, vandalism, and certain water damage. Flood and earthquake coverage may require separate policies.
-
How long does it take for an insurance claim to be processed?
The timeline depends on the complexity of the claim. Simple claims may be settled within a few weeks, while more extensive claims could take months. Contact us for a personalized estimated timeline for your claim.
-
What documents do I need to support my claim?
You'll need photos of the damage, a detailed inventory of lost or damaged items, receipts for major purchases, and any repair estimates or invoices.
-
Will my insurance cover temporary housing if my mobile home is uninhabitable?
Many policies include loss of use coverage, which helps pay for temporary housing expenses if your home becomes unlivable due to covered damage. Check your policy for details, and contact us if you have any questions.
-
How much will my insurance pay for repairs or replacement?
Payouts depend on whether your policy covers actual cash value (ACV) (which factors in depreciation) or replacement cost value (RCV) (which covers the cost of new replacements). Contact us to learn more about your policy.
-
Can my claim be denied?
Yes, claims can be denied if the damage is due to lack of maintenance, pre-existing issues, or excluded events like floods (unless covered separately). You can contact us to learn more about progress on your claim.
-
Do I need to get repair estimates before my claim is approved?
Some insurers require at least one or two repair estimates before approving a claim. We will guide you on the required processes according to your claim.
-
What should I do if my claim payout is too low?
You can negotiate with your insurer by providing additional repair estimates or documentation supporting a higher cost. If necessary, you can hire a public adjuster or seek legal advice.
-
Does filing a claim increase my insurance rates?
Filing a claim may lead to higher premiums, especially if you have multiple claims within a short period. The impact varies depending on the type of claim and your insurer's policies.
