West Palm Beach - Mobile Home - Supplement for Policy Limits

A West Palm Beach owner of a mobile home, or manufactured home, (K.E.) contacted VIP Adjusting in February of 2018 after being paid $10,000 for damages caused by hurricane Irma in September of 2017.

VIP Adjusting went in and conducted an inspection of the damages. Mobile and manufactured homes can present unique challenges as the materials and assembly methods are different than homes built in place, and repairs can sometimes be affected depending on the types of damages.

After completing the inspection, VIP Adjusting presented an estimate and photographs that exceeded the policy’s limits and the insurance company agreed to pay the policy limit by way of a release.

Mobile homes and manufactured homes can also present unique situations upon settlement since the home has a title, like a vehicle, and is subject to various regulations with repair. A total loss (or typically any loss over 80%) requires a salvage title be issued if repairs are elected, or, the homeowner has the option to purchase a new mobil home or manufactured home.