Who’s responsible when mother nature strikes?

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by BRIANA BERMENSOLO & KREM.com

KREM.com

Posted on August 4, 2014 at 12:17 PM

CHATTAROY, Wash. -- About 100 trees fell and some landed on homes when a storm ripped through Riverside Village mobile home park in July.  Another couple hundred trees were considered dangerous and had to be taken down.

KREM 2 on Your Side looked into who’s responsible for the clean-up once disaster strikes.

A representative with State Farm Insurance spoke to KREM 2 on the details of a manufactured house policy.

At the most basic level, mobile home insurance will cover anything that is considered an act of God. Most insurance companies will remove a tree knocked onto a home in a storm. They will also cover up to a certain dollar amount of debris removal.

The State Farm representative said some policies will cover the entire cost of replacing the home.

The problem for Riverside Village is that many homeowners never paid for insurance coverage. Some also cannot find the title for their home and the property manager said not everyone has a copy on file.

The Red Cross and volunteers from New Hope Church are working on temporary housing and storage units. Others are bringing food and more generators and the work crews are still removing massive pine trees.

Half of the property still does not have power. Inland Power has to wait to restore electricity to each home until every tree is cleared.
 

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