• Montagge@lemmy.zip
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    8 days ago

    My premium nearly doubled because it’s a manufactured house and it crossed the 25 year old line.

      • Montagge@lemmy.zip
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        7 days ago

        You’ve got nothing to be sorry about! Manufactured homes are built at a warehouse and then are trucked to the property where they’re installed. They’re built slightly better than mobile homes, but are built fairly similarly. They can come in multiple pieces such as mine that would be referred to as a double wide due to it being two pieces.

        They don’t follow normal building codes, and in the US they follow HUD codes. HUD codes tend to be much looser. For example the trusses that hold up my roof are really crummy 2x2s that you couldn’t use on a regular built house.

        The idea is suppose to be cheaper housing, but like pretty much everything geared towards helping the poor in this shit hole they’re traps. They’re still not very cheap, and they’re poorly made. Meaning they’ll start to fall apart after a couple of decades. I was lucky enough to be born into a poor but handy family so I can fix my turd of a house as issues come up, but the insurance company doesn’t care that I rebuild things beyond code when I can.

        Here’s a factory: https://youtu.be/jm2SbE9YuEA

        Here’s an install: https://youtu.be/81WBC6_sahU

    • CompactFlax@discuss.tchncs.de
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      8 days ago

      American tract houses should be the same way, honestly. From what I’m seeing from home inspectors on YouTube, there’s no way they’d survive transportation but the manufactured homes do majestic fine.