Insurance Issues for Mobile Home Owners

Sometimes it is hard to be sympathetic when an obvious action, like fortifying a trailer or buying insurance, could have spared a home owner a major loss and hardship. See this article: Florida has 828,000 mobile homes. Less than a third were built to survive a hurricaneThe article points out that not only are most not hurricane-proof, but also half are not insured.

Florida has more mobile homes than any other state — about 828,000, said Patti Boerger, spokeswoman for the Manufactured Housing Institute, a national trade group. Roughly 600,000 are older models, meaning: They were not constructed to withstand hurricane-level winds.

Only half of the state’s mobile homes, meanwhile, are insured, said Jim Ayotte, executive director of the Florida Manufactured Housing Association.

In response to two comments, the Diva now knows that some owners have financial limitations that keep them from fixing a risky living situation. She thanks the two men who commented on this piece in its original form. 

Update:  On Sept. 13, this piece on the same topic from the WSJ: After Irma, Many Mobile Homeowners May Face Tough Choice. About half the mobile homes in Florida don’t have insurance, leaving owners with few options after any major damage

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3 Responses to Insurance Issues for Mobile Home Owners

  1. JerseyShoreDave says:

    Fully agree with Mr. Rumbach’s assessment of the issue. In my professional dealings with mobile home parks, the vast majority of the residents were of limited financial resources. At least in New Jersey, many mobile home parks are subject to rent control in order to attempt to keep rents affordable. If you saw the conditions some of these indivduals lived under, believe me, you would be sympathetic to their plight.

  2. recoverydiva says:

    Good points. Here is an example of a situation that some charitable organization might be able to assist with. People with limited means will have a terrible time getting replacement housing.

  3. Andrew Rumbach says:

    The article (and research on mobile homes generally) make the point that most residents are very low-income, and many are elderly or disabled. I am surprised to hear you describe them as “short-sighted…” Is someone living in low-cost housing in floodplains similarly short-sighted and hard to have sympathy for? Of course every case will vary, but I would assume a large number of these folks don’t have the financial resources to be long-sighted.

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