Have American "Integrity" Insurance. My subfloors (particle board) started to get soft and fail. Called my insurance agent and started a claim. Long story short, we were denied. They said it was due to "lack of maintenance". How are we suppose to "maintain" the subfloor?
Ended up having to tear up all the subfloor in the house and put down plywood at our own expense (besides having to rip up 6 year old laminate and having to put down new laminate because the old laminate was no longer available).
I know our options are limited when you own a manufactured home, but I can not recommend American "Integrity" Insurance.
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