What must be done for insurance applications regarding relocated manufactured homes?

For insurance applications regarding relocated manufactured homes, it is necessary to submit a new application. This requirement arises because relocating a manufactured home often changes various factors that influence the risk profile, such as the home's location, surroundings, and potentially its exposure to different hazards. Each location may have different risks associated with it—local building codes, weather risks, and community regulations are just a few examples. By requiring a new application, the insurance company can evaluate all these new factors accurately to determine appropriate coverage and premiums.

Using an original application or relying on existing policies does not account for these changes, which could lead to inadequate coverage or unanticipated liabilities in the event of a claim. An adjustment form might address some changes, but for a significant relocation, a new application provides a comprehensive reassessment of the policy needs. In essence, submitting a new application ensures that the insurance coverage remains relevant and sufficient for the specific circumstances of the manufactured home's new location.