A Hurricane Season of Discontent; Lessons Learned in 2004
Southeast News • September 22, 2004
Prior to 2004, Florida had gone for five years without a significant hurricane. So it is of little surprise that the onslaught of this year's three major hurricanes has caught all of us in the ...
Insurance Journal is not responsible for the content of the message below.
Subject: RE: RE: mobile/manufactured/RV hurricane losses
Posted On: September 27, 2004, 1:32 pm CDT
Posted By: J.L. GARDNER
Comment:
Having seen the damaged areas first hand, and having insured a whole lot of mobile homes on the southwest coast of Florida,I would say that Charlotte county will be a great place to insure mobile homes in the future. 99% of the damaged homes were of the 1970 to 1980 vintage. Charlotte county had very few newer manufactured homes and those that were 1994 and older (NEWER BUILDING CODE) stood up remarkably better than the older units. As the damaged units are replaced with NEW units that are built much better, companies WILL look at this a little different. As far as rate increases, you better believe it will happen. As far as banning mobile homes "It ain't gonna happen".
It is outragious to think anyone can build a structure and "guarantee" that it will endure a direct hit from a cat 4 or cat 5 hurricane. This applies to CBS site built, modular or manufactured homes. In Charlotte county 4 hospitals and most of the hurricane shelters were heavily damaged by hurricane Charley, 8 schools and 5 fire department buildings were total losses. As bad as it hurts now, Florida will come back stronger than ever, better building codes probably, but we still have the best beaches and sunsets.
Subject: RE: RE: mobile/manufactured/RV hurricane losses
It is outragious to think anyone can build a structure and "guarantee" that it will endure a direct hit from a cat 4 or cat 5 hurricane. This applies to CBS site built, modular or manufactured homes. In Charlotte county 4 hospitals and most of the hurricane shelters were heavily damaged by hurricane Charley, 8 schools and 5 fire department buildings were total losses. As bad as it hurts now, Florida will come back stronger than ever, better building codes probably, but we still have the best beaches and sunsets.