PROPERLY PROTECT YOUR MANUFACTURED HOME

Manufactured homes offer great bargains for many consumers due to a much lower price as compared to site-built homes. And some independent appraisals are now confirming that these homes can appreciate in value just like other forms of housing.

Manufactured homes, however, can often pose higher chances of loss from a variety of perils, such as fire and windstorm. This is where safety and sound loss control practices come into play. The following are some fire loss control tips to consider for your manufactured home.

• Don't overload electrical outlets. Manufactured home fires are caused by problems in the electrical system twice as frequently as in site-built homes. Protect yourself by monitoring your electrical use. When one powerful electrical appliance is in use, for example a microwave, keep the use of others to a minimum.
• Make sure you have an adequate number of smoke alarms and regularly check the batteries. You should have a smoke detector in each part of the home in which people will be sleeping.
• Contact a licensed technician to inspect your furnace at least once a year. The blower and filters should also be regularly cleaned to prevent overheating.
• Make sure that your wiring and appliances are maintained in good working order. Faulty wiring is one of the leading causes of manufactured home fires.
• If you have a natural gas or liquid propane line coming into your home, make sure you know where the shutoff valve is and how to operate it.
• Verify that your lot is clearly marked since the fire department will need to be able to see the numbers on your home in case a fire or other emergency occurs.
• Other perils to consider are windstorms and tornadoes, since manufactured homes are particularly susceptible to high winds. The following are some wind-related loss control tips to consider for your manufactured home.
• If you don't already have one, consider installing a longitudinal tie-down system at the front and rear of your home. These systems rely less on ground anchors; they also reduce the effects of corrosion and rust on wind uplift resistance.
• Replace straps or ground anchors that are loose or ones that show signs of rust or corrosion. You should also check for proper installation of ground anchors and stabilizer plates.
• Install sliding storm shutters on all windows.
• Prior to severe weather, get together with the other residents at your manufactured home park and your park owner/manager to designate a safe shelter area in the park or community. When severe weather threatens, go quickly to this designated site.