top of page





  • Writer's pictureBASE CLAIMS

The Dos and Don'ts of Filing Claims for Mobile Homes

Updated: Jul 3

The Dos and Don'ts of Filing Claims for Mobile Homes in Florida
The Dos and Don'ts of Filing Claims for Mobile Homes in Florida

Owning a mobile home brings a unique set of joys and challenges. As a cherished asset that often represents both residence and investment, safeguarding it through insurance claims is paramount. This blog serves as a guide, exploring the dos and don'ts of filing claims for mobile homes, and offering insights to ensure a smooth and maximized claims process.

In the intricate tapestry of housing options, mobile homes stand out as versatile and cost-effective dwellings. However, when unforeseen events such as natural disasters, accidents, or structural issues unfold, the process of filing insurance claims becomes a pivotal juncture for mobile homeowners. To navigate this journey effectively, understanding the dos and don'ts is essential.

The Dos

Do Understand Your Insurance Policy

The foundation of a successful insurance claim for a mobile home begins with a comprehensive understanding of the insurance policy. Mobile homeowners should be well-versed in the terms, coverage limits, and exclusions outlined in their policies. This knowledge serves as a guiding compass during the claims process, ensuring informed decision-making.

Do Document Thoroughly

Detailed documentation is the cornerstone of a successful insurance claim. Mobile homeowners should meticulously document the pre-existing condition of their homes, valuable possessions within, and any improvements or renovations undertaken. In the event of damage, thorough documentation of the aftermath, including photographs, videos, and written descriptions, provides a clear narrative for the insurance adjuster.

Do Initiate Timely Reporting

Time is of the essence when it comes to filing insurance claims for mobile homes. Mobile homeowners should initiate the claims process promptly after discovering damage. Delays can complicate the assessment process and potentially lead to disputes. Timely reporting sets the wheels in motion for a swift and efficient resolution.

Do Seek Professional Assessments

Engaging professionals for damage assessments is a prudent step. Mobile homeowners should enlist the services of qualified inspectors or contractors to assess the extent of the damage. These professionals provide expert opinions and documentation that strengthen the validity of the insurance claim. Their assessments contribute to a more accurate evaluation by insurance adjusters.

Do Consider Additional Living Expenses

In situations where a mobile home becomes uninhabitable due to covered damage, mobile homeowners should be aware of additional living expense coverage. This coverage helps with the costs of temporary accommodation, meals, and other living expenses while the home is being repaired. Understanding and utilizing this coverage can alleviate the financial burden during the displacement period.


The Don'ts

Don't Delay Reporting Damages

Procrastination in reporting damages is a common pitfall in the insurance claims process. Mobile homeowners should resist the temptation to postpone reporting, as delays may jeopardize the claim. Timely reporting allows insurance companies to initiate assessments promptly, facilitating a smoother resolution.

Don't Assume All Damages Are Covered

Assumptions can lead to disappointments during the claims process. Mobile homeowners should not assume that all damages, regardless of the cause, are covered by their insurance policy. Understanding the specific perils covered and any exclusions is crucial. This clarity prevents misunderstandings and sets realistic expectations for the claim outcome.

Don't Accept the First Settlement Offer Without Review

Insurance companies may present an initial settlement offer, but mobile homeowners should exercise caution before accepting it outright. Reviewing the offer carefully and, if necessary, seeking guidance from a public adjuster or legal professional ensures that the settlement aligns with the actual damages incurred. Accepting an inadequate offer may result in financial setbacks.

Don't Forego Professional Assistance

Filing insurance claims for mobile homes can be complex, and mobile homeowners should not hesitate to seek professional assistance. Public adjusters, in particular, can advocate on behalf of the homeowner, ensuring that the assessment and settlement processes are fair and maximized. Their expertise navigates the intricacies of the claims process.

Don't Neglect Regular Policy Reviews

Insurance needs and policies evolve, and mobile homeowners should not neglect regular reviews of their insurance policies. Changes in circumstances, home improvements, or new possessions may necessitate adjustments to coverage. Regular policy reviews ensure that the coverage aligns with the current state of the mobile home and its contents.

In conclusion, the dos and don'ts of filing insurance claims for mobile homes form a roadmap for mobile homeowners to navigate the often intricate and unfamiliar terrain of the claims process. A proactive and informed approach, coupled with thorough documentation and professional assistance when needed, empowers mobile homeowners to safeguard their cherished assets effectively. As the guardians of their homes, mobile homeowners can maximize the benefits of insurance coverage, ensuring that their investment remains protected and resilient in the face of unexpected challenges.


A hozzászólások ki vannak kapcsolva.


Have questions about new, denied, underpaid, state of emergency, non-emergency, or supplemental claims? Talk to our lead public claims adjuster today!

bottom of page