Depending on your homeowner's insurance policy, your coverage may cover repairs for mold and water damage, but it depends on the source. Luckily, HomeFirst homeowners insurance policies include flood coverage.
Regardless of your coverage, water damage from flooding or any other unexpected event in your manufactured home can cause reason to panic. Follow our tips on what to do when you find the effects of water in your manufactured home.
Stop the Water at the Source
Sometimes you can't help unexpected events, like natural disasters, from causing flooding and damage to your home, but water damage from other sources can often be dealt with.
Start investigating where the source of the water damage may be located. Look for plumbing leaks, roof leaks, washer hose leaks or even damaged caulking that's letting water leak.
When you find the source, if applicable, turn off your water by locating your water shutoff valve.
The location of your water shutoff valve will vary by room, but manufactured homes all have a main water valve that you can turn off. You'll most likely find your main water valve in the utility room where your washer and dryer are located.
Once you turn off your water, you may temporarily repair the leak if it is a pipe leak by wiping the area dry and applying epoxy to the leaking area. Then cover the leak with rubber and after an hour, use water resistant tape to cover the entire area.
If the source of water is a roof leak, window leak or any major leak, dry the area, ventilate the damaged area and cover the leak with water resistant material, like a tarp, until you can have a professional make the proper repairs.
Notify Your Insurance Company
After you've stopped the water at its source, or in the case of a natural disaster when you just need help recovering, call your insurance company to report the incident and damage.
Figure Out if Your Water Source is Polluted
If your water damage came from a source like your dishwasher or fresh water line, you do not need to be concerned with potential polluted water. However, if your water came from sewage backup, an overflowing toilet or a natural disaster, the water causing havoc in your home is likely contaminated.
Polluted water will mean that your clean up and restoration process may be more extensive and you may need to dispose of certain belongings in your home if they're damaged by the contaminated water.
5 Tips to Help Prevent Manufactured Home Water Damage
Although you can't prevent natural disasters from coming your way, the best tip for handling water damage in your manufactured home is to prevent it before it ever starts.
1. Inspect Your Washing Machine Regularly
Your washer hoses can burst with wear. They are designed to handle large water loads frequently, but over time your washing machine hoses can wear out. Inspect the hoses regularly and look for surface cracking as well as leaks where the hoses connect to your water supply.
2. Inspect and Clean Your Toilet Regularly
Two to three times a year, inspect your toilet to make sure it's not leaking and that it's functioning properly. Regularly cleaning your toilet will also help prevent clogs. Make sure that you only put waste like toilet paper down your toilet to prevent potential issues.
If you have a toilet overflow from a clog backup, make sure to turn off the water source to your toilet and use a plunger to unclog it.
3. Keep Your Gutters and Downspouts Clear
Water running off your roof and down your spouts could potentially cause damage to your home and foundation if it isn't draining away properly. Make sure to clean your gutters and downspouts of debris regularly and that they drain water away from your home.
4. Check Under Your Home Regularly
If your manufactured home has skirting, regularly remove a small section to check under your home for standing water or excess moisture. Signs of too much moisture or leaks include standing water, frogs, salamanders or mildew.
Excess moisture could result from plumbing leaks, inadequate ventilation under your home or another factor. It may mean that you need to repair a tear in your bottom board, which is also called the underbelly or vapor retarder.
Regardless, too much moisture could cause foul smells, warping in your flooring, shifting in your flooring or even damage to the insulation under your home if there is a tear in your vapor retarder.
5. Get Your Roof Checked Regularly
Making sure that your roofing, whether you have a metal roofing material or asphalt shingles, remains in good shape is a key way to prevent potential water damage.
Have a roofing professional inspect your home either twice a year or after major storms to verify the condition of your roof and perform any necessary maintenance on your roof system.
We hope that these water damage prevention tips help you keep your home in great shape. We want to help you preserve your home so you can enjoy it for years to come. When life's unexpected events do occur, call your homeowner's insurance agent for help and they can help you figure out how to handle the water damage.