Manufactured home versus site-built house after a fire

Manufactured home

  • Built to a federal construction standard, on a steel chassis
  • Lighter wall and roof assemblies; smoke and heat reach more of the home
  • Repair parts and materials can be specific to the home's manufacturer and era
  • A significant fire often makes replacement more practical than repair
  • If in a community, the land is usually leased and park rules apply

Site-built house

  • Built to local building code on a permanent foundation
  • Heavier framing that can often be repaired in place
  • Standard materials widely available
  • Partial rebuilds are routine
  • Owner usually owns the land as well

Repair or replace a fire-damaged manufactured home?

Your insurer, a qualified installer or contractor, and the community rules all factor in.

  • IfSmoke damage only, limited to a room or two, structure unaffectedThenCleaning, sealing and replacing interior finishes is often practical.
  • IfBurn damage to walls or roof, or heat damage to wiringThenAsk whether repair can be done to the manufacturer's standards and whether parts are available. Compare against replacement.
  • IfDamage to the floor system or chassisThenReplacement is frequently the outcome. Ask your insurer how a total loss is valued.
  • IfThe community has age or appearance rules for replacement homesThenGet the rules in writing before choosing a replacement.

Renters in Federal Heights apartments

Federal Heights also has a large share of apartments. If you rent and a fire damages your unit or a neighbor's, the building owner usually handles the structure and building systems, while your belongings and temporary housing costs fall to your renters insurance, if you have it. Read your lease for what happens to rent while the unit cannot be lived in, and get any agreement with the landlord in writing.

For questions about state rules for manufactured home communities or installation, the Colorado Division of Housing is a reasonable place to start; confirm current programs directly with them.

Contacts to sort out early

  • Your insurer, with the policy type noted (manufactured home policies differ from standard homeowners policies).
  • The community manager, for park rules on removal, repair and replacement.
  • The lienholder, if the home is financed.
  • The City of Federal Heights, about permits for repairs or replacement installation.
  • For apartments, the property manager and your renters insurer.
Map of Federal Heights. It shows an area, not an office or a job site.

General information for Westminster, not a quote or professional advice. In an emergency, call 911.