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Harris, Reed & Seiferth
​Insurance Group Blog

How to Replace Mobile Home Skirting

5/27/2023

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Out of sight, out of mind! It's a saying that's too often true about making repairs around the base of your home. Problems with manufactured home skirting are common, but thankfully, replacing your mobile home's skirting is easier than you might think.
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​Most manufactured homes have skirting attached to the base of the home. This skirting protects your pipes and other fixtures, reduces updrafts and helps to control moisture. Damaged aluminum and vinyl skirting panels should be replaced, not patched. Fortunately, individual panels are not very expensive and are easy to replace. If you have trouble finding identical replacement panels, switch the damaged panel with one in a less conspicuous location. Or, if your skirting is aluminum, buy a panel in a similar pattern and paint it to match. In warmer climates, a screen or louvered vent can also be used as a replacement.

Besides your replacement panel, you'll need tin snips, a measuring tape and a pencil.

Step 1: Remove damaged/worn panel.
Slide the panel up until it is above the ground channel. Pull it out from the bottom and slide the rest of the panel out. With some types of skirting, it's easier to remove panels if you unsnap the trim.

Step 2: Cut replacement panel.
Measure the damaged panel to determine the size of a replacement panel. Both aluminum and vinyl skirting panels can be cut with tin snips. Remember to keep the top of the panel straight.

Step 3: Insert new panel.
Slide the top of the panel in first, and then lift to insert the bottom into the ground channel. If you removed the top trim front, make sure the replacement panel is in place, then snap the top trim front back in place.

Check out the mobile home page for more great tips!

Source: https://www.foremost.com/learning-center/mobile-home-skirting.asp

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Hurricane evacuation plan

5/27/2023

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If it becomes necessary to evacuate, plan for it ahead of time. Talk it over and make decisions so everyone is on the same page. Preparation can save lives and reduce the amount of time it takes to get your family to safety and eventually back home.

Evacuation plan
  • Where you'll go.
    Decide ahead of time where you'll go when you evacuate, taking into consideration people may be coming from work, school, or other locations. If you have children in school, find out where they will be sent when an evacuation is announced. Update this plan every year or as schools or careers change.
  • Who you'll contact.
    Designate someone outside the area to contact in the event you are separated from your family, or if your electricity is not working in your home. Should the situation be grave enough where your family can't evacuate together, have everyone call the contact person to say they are safe.
  • Where you'll meet.
    Agree on a meeting point for the family if you're separated during a disaster.
  • Evacuation Routes
    Plan several evacuation routes from your area that are not low-lying, and test them often for efficiency. In the event of a flash flood you won't be able to evacuate, but you must seek higher ground. In areas where there is extreme heat, identify places to avoid exposure like malls, movie theaters or a friend's home.
​Source: https://www.foremost.com/learning-center/prepare-for-an-evacuation.asp

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Preparing for Hurricane Season

5/27/2023

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Hurricanes. Just the thought of them can make a person tremble in fear. Whether you've experienced a hurricane yourself or you've just heard about their destructive patterns, these bad boys know how to make their name heard. The technical definition of a hurricane is a tropical cyclone with maximum sustained winds of at least74 mph. A major hurricane is a tropical cyclone with maximum sustained winds of at least 111 mph. To put that into perspective, imagine sticking your head out the window of a car as you travel down the highway - that's the speed of wind you would be up against during a low-scale hurricane. Sound scary? It is. By knowing your vulnerability and what actions to take, you may be able to reduce the effects of a hurricane disaster.

​Hurricane season runs June 1 through November 30. Foremost wants to share some tips to ready your home and family prior to a severe storm, may it hit. It's never too early to:
  • Determine safe evacuation routes inland. Don't forget about your pets!
  • Learn the different warning signs and alerts to watch for.
  • Meet with those you live with to create an emergency and evacuation plan.
  • Learn locations of official shelters. Red Cross has a great resourcethat will help you locate shelter in the event of a disaster.
  • Review your insurance policy with your agent. Is your property covered for such an event?
Whether the hurricane threats are immediate or they seem off in the distance, it's important for all residents of hurricane areas to be prepared and think ahead. We offer detailed hurricane preparedness plans, checklists for inventory, and information on what to do after a storm hits your area.

​Stay safe through these storm seasons! Your safety is number one to us.

Source: https://www.foremost.com/learning-center/more-storms-to-come-during-hurricane-season.asp

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