My New Blog

This link is a site called TruliaVoices where general real estate information on our area can be located.

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Insuring manufactured homes which have undergone extensive renovations is often a problem.  This is a post I made some time ago.  I thought I would re post this for manufactured home owners in the Ft. Myers Beach and Bonita areas.  There are many older homes in these parks which have upgrades not recognized by the insurance companies.  This is my previous posting.

Many owners of manufactured homes whether on leased sites or fee simple run into problems getting insurance for enough to cover the loss of the home.  Insurance companies strickly go by the book price which is very low for the older homes.  Most owners have done extensive remodeling and upgrades which the insurance companies do not take into consideration.  Having appraised both leased parks and fee simple manufactured homes in the area,  it is apparent that most are no longer the original home.  Owners who have a problem getting the correct amount of insurance can ask their agent if a certified appraisal would be accepted.  An experienced appraiser applies and economic age rather than actual and also can make adjustments for upgrades.  Typically insurance companies will accept the appraisal and insure based on the replacement cost indicated on the report.  In the Southwest Florida area, there are few appraisers qualified for leased site parks.  I was fortunate to spend 4 years with a specialist in this type of appraisal.  I have the park data necessary to complete these assignments.  If you have issues with the value on your insurance,  talk to your agent and see if it is worth the price of an appraisal to get the correct replacement cost of your home.

I appraise manufactured homes in these areas:  Sanibel, Bonita, Naples, Fort Myers, Port Charlotte and Punta Gorda.   

I haven't made posts in some time.  With the implementation of HVCC, I find myself needing to seen on the internet.  This is the new age appraisal process.  I have had customers for years that are no longer allowed to contact me for orders.  Instead we are selected by Appraisal Management Companies.  Appraisals in Ft. Myers, Cape Coral and Lehigh Acres kept this appraiser busy full time.  As of May 1st, we are now a number on a list. 

How many orders have I received?  Since HVCC, I have received 3 orders from appraisal management companies.  I have received FHA orders as my customers can still use me.  Most of the appraisals I have done since May 1st is for manufactured homes to correct insurance coverage, estate appraisals and other litigation appraisals for bankruptcies, divorces etc. 

What I hear from other appraisers is the same.  The mortgage companies are also affected by this legislation.  The result has been low quality reports done by appraisers who are not in the Ft. Myers area at all.  The work is poor quality, and the mortgage companies have to pay more for them.  If they need to send the report to another source, they have to order another one.

We can only home the legislators will hear the outcry and change HVCC to address these issues.  While lender pressure is not welcome, and I understand the need for legislation.  HVCC has had consequences which make matters worse.  Banks are now using only on staff appraisers.  This is a conflict for sure.  Banks also own some of the appraisal management companies.  Seems like another conflict.

Pending sales are stacking up in the Southwest Florida MLS.  We need these to close.   Our recovery is in sight.  HVCC is snuffing it out.

In the mean time,  litigation appraisals and manufactured home appraisals will keep this appraiser independent.   Call your representatives and tell them, HVCC needs to go.

Need an appraisal?  Call me for Fort Myers, Lehigh, Cape Coral, Captiva, or Port Charlotte,  I can' help you with anything but mortgage financing.