A few weeks ago my Mom got her annual home owner’s insurance premium bill; in the same mail was a missive from the insurance company about earthquake insurance.
It seems that, at least in California, companies giving insurance to customers are required by law to offer them earthquake insurance. The letter spelled out terms for such insurance our company would offer us.
So my Mom is considering arranging to have our MH retrofitted to withstand a quake. (In the 1987 Whittier quake it rolled back and forth slightly, because it’s on wheels as well as support pylons.)
I think she could spend the money more wisely, but at 87 she is hard to argue with…
What would the project consist of? The mobile home upper structure itself is somewhat fragile, but it doesn’t seem like they would break apart like a brick building would. I would think they are somewhat isolated from the ground. They do have a steel platform frame. Is it just to keep it from tipping or falling off the foundation or is it cross bracing to keep the upper structure from racking?
Tornadoes are a different problem. Mobiles just get shredded or carried away.
Dennis
From what I have seen of the infrastructure, the frame is braced with steel girders (“I-beams”). That’s as solid a framework as you can get. I intend to ask a real-estate broker I know about the matter…