Top things to cover
Number of owned units, rental lots and vacant lots
All buildings associated with park
Roads, walkways, lighting and signage
Distances between units (in general)
Photos
Photo of each owned mobile home
General overview photos of park
Roads, signage, utilities
Recreational facilities and common facilities
Inspection Prep
Online search for social media and website is helpful. Do Google Earth and prepare diagram before site visit.
Here is a checklist for doing an insurance property inspection on a mobile home park:
Property information: Collect information about the mobile home park, including the address, the number of units, and the age and condition of the mobile homes.
Access: Determine the accessibility of the park, including the type and condition of the roads, parking, and any gated or restricted access.
Maintenance: Assess the overall maintenance of the park, including the landscaping, lighting, and cleanliness of common areas.
Mobile home condition: Inspect the condition of each mobile home, looking for signs of damage or deterioration, including the roof, siding, windows, and doors.
Utilities: Check the utility connections for each mobile home, including electrical, water, and sewer, and note any issues or concerns.
Fire safety: Check for smoke detectors and fire extinguishers in each mobile home, as well as the availability of fire hydrants and access for emergency vehicles.
Storm safety: Evaluate the potential risk of wind and water damage, and assess the availability of storm shelters or evacuation routes.
Liability risks: Identify any potential liability risks, such as uneven pavement, loose steps, or other hazards that could pose a risk to tenants or visitors.
Security: Assess the overall security of the park, including the availability of lighting, surveillance cameras, and any security personnel.
Compliance: Verify that the park complies with all applicable local, state, and federal regulations and codes, including zoning, building, and safety codes.
Once the inspection is complete, compile a report detailing your findings and any recommendations for improvements or repairs to help mitigate risks and ensure that the mobile home park is adequately protected by insurance.