Guidelines for Determining Damage to Manufactured Homes ...

AFFECTED MINOR

MAJOR

DESTROYED

INACCESSIBLE SPECIAL CONSIDERATIONS

Guidelines for Determining Damage to Manufactured Homes

DEFINITION

FLOOD EVENT

WIND EVENT

Habitable

? No damages affecting habitability;

? Dwelling's frame in not bent,

Minimal damages to the dwelling and/or contents cosmetic damages only

twisted or otherwise compromised.

and is habitable without repairs.

No structural components have

been damaged.

Uninhabitable

? Water line is below the floor system. ? Minor structural damage (not

Damages may be repaired within 30 days making ? Skirting or HVAC may be impacted.

displaced from foundation).

the structure habitable.

? Other structural components may

have minor damage (windows,

doors, roof, duct work, etc.)

Uninhabitable

? Water that impacts the floor system ? Displaced from foundation.

Significant structural damages requiring longer

(belly board insulation, duct work,

? Other structural components have

than 30 days to repair.

subflooring) or

been damaged (windows, doors,

Extensive repairs will be required to become

? Water line up to 12 inches in the living wall coverings, roof, bottom board

habitable.

area.

insulation, utility hook-up)

Uninhabitable

? Water line higher than 12 inches.

? Frame is bent, twisted, or

Structure is a total loss. There is no value

? Frame twisted, bent, or otherwise

otherwise compromised.

associated with the structure except for its basic

compromised.

? Missing roof or has sustained

material content (scrap)

? Interior so compromised by

significant damage to roof

contamination, that clean up is

covering, sheathing, and framing.

infeasible.

This group includes dwellings that are inaccessible

due to damaged roads/bridges or high water levels.

The above levels are set as guidelines with many factors influencing the final determination. For example, the damage caused by

water level is dependent upon several variables, to include: how long the water has been in the dwelling, the presence of

contaminants in the flood water (fuel oil, sewage, debris, etc) and if they present a health and safety hazard rendering the dwelling

uninhabitable.

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