It has recently come to my attention that on insurance appraisals for manufactured homes, Citizens is requiring a new format and is not allowing the standard appraisal form. This is in Florida and pertains to those who have done serious renovations on older homes. Citizens typically on single family has accepted our appraisals showing the replacement cost with the improvements.
As of this writing nobody will provide the format or information on how to get this format which I have never heard of . Until that time, I will not be performing insurance appraisals on manufactured homes. Should anyone out there know what it is they require, please let me know as Citizens has given me the wild goose chase.
There are many homeowners worried as their homes are only insured for a fraction of what the cost would be. I see many that have completely changed the home with serious upgrades. This is typical in the waterfront properties and prime park locations. As of now, I no longer have the solution.