Documenting damage to a manufactured home in East Milton in Pensacola Beach

A manufactured home claim often involves more than interior finishes. Wind, water or an impact can affect skirting, anchors, supports or attached steps. Avoid entering or moving a home that appears shifted or unstable. From a safe location photograph the affected side, the surrounding ground and any visible separation between the home and additions.

Gather the home’s identification and installation records

Look for the manufacturer, model, serial number and any data plate or certification labels you can document safely. Collect setup records, permit information and invoices for anchoring or improvements. Ask an appropriately qualified professional to distinguish damaged supports from components that show prior wear. If a deck or carport was added later, record its dimensions, how it attaches and any separate coverage listed in the policy.

Break the estimate into systems

Ask for line items for the home, its installation and any attached or detached structure. For example, if wind dislodges skirting and exposes a shifted pier, list those as separate observations. Have the contractor explain what they examined and what needs further evaluation. Ask the insurer to explain which forms, endorsements and limits it applied to each part of the estimate.

Official resource

Florida Department of Financial Services hurricane recovery resources: https://myfloridacfo.com/division/ica/storm

Ask PAJOE about your claim

For a free initial claim review, call PAJOE Public Adjusters at (850) 842-6424.

Florida Public Adjusting Firm License # W894577
Joseph Whitefall | Florida Public Adjuster
Individual License # E166230

Our public adjusting fee is contingent on a recovery. Before you retain PAJOE, we explain the agreed percentage and the payments to which it applies. Fee terms are set out in our signed agreement. Any outside expenses require separate written authorization consistent with applicable Florida law.

PAJOE provides public adjusting services and does not provide legal advice. Coverage and recovery depend on the policy, the facts of the loss, and supporting evidence. No particular decision, payment, additional recovery, or resolution timeframe is guaranteed.