The model going in at 1018 Matthew is an Anchor III. I couldn't find anything about it on the internet, but I looked at the plans. It is a three bedroom, two full bath unit with a screened in lanai at the rear. It looks like a very nice house.

Anchor and Seabreeze [model mentioned in BK's post] are models in the Cottage Series of homes. Perhaps those models have been scaled to fit the ambiance of our historic villages?

How did the developer just happen to select 40 properties that are not up to code and can not be insurable at resale, out of 1700 homes? Hopefully, none of the frequent posters on this forum who live in the historic villages will fall into this category also.

How do you know that the "properties that are not up to code and can not be insurable at resale..."? Just from the POA bulletin that Chi-Town cited? I thought the number of homes was up to 70. And the one on Matthew sure appeared to meet code.

Yes, the POA bulletin.

Yes it certainly can be a process depending on what has been added or built on to the home that needs to be removed or dealt with before the home can be moved.

The process of adding two Hugh frames under the house sounds more like a stick built or modular home move.

Traditional manufactured homes have axles under them that are not normally removed unless financing requires as much.

Just because it is written in the POA, or anywhere for that matter, doesn't make it true. Do your own research and go to reliable sources. I read in the POA that the homes weren't up to code and wondered why then are they removing them? What are they doing with these "uninsurable," out-of-code manufactured homes? Why not do like many private owners have done and raze the structure? Nothing is uninsurable. I know people who have homes much older than these homes who have insurance.

FYI: http://www.myfloridacfo.com/division...ersToolkit.pdf

Options If You Can’t Find Coverage

Hurricane Andrew, the major storms of 2004-05, and other disasters created serious problems in the insurance industry and caused a significant disruption of Florida’s residential insurance marketplace. Many Floridians experienced homeowners’ insurance rate increases; others were dropped or otherwise left without coverage. Fortunately, help is available.

Florida Market Assistance Plan (FMAP)

The Florida Market Assistance Plan can offer help if you can’t find coverage. FMAP will supply names and phone numbers of agents and agencies that represent insurance companies accepting new business in your county. For more information, call your agent or FMAP at 1-800-524-9023 (www.fmap.org).
Citizens Property Insurance Corporation

If you are having trouble finding coverage, there is help. The 2002 Florida Legislature merged the Florida Windstorm Underwriting Association and the Florida Residential Property and Casualty Joint Underwriting Association to form Citizens Property Insurance Corporation, which writes coverage for consumers who can’t find it elsewhere. (See the “Windstorm Coverage” section of this guide for more details on Citizens, or visit www.citizensfla.com.)

Surplus Lines Companies

The standard insurance market does not necessarily insure every risk. Standard companies often reject risks that do not meet their underwriting requirements for type and date of construction, location and other conditions.
Surplus Lines insurers can help fill this need for consumers who can’t obtain coverage from licensed standard companies. Before turning to a surplus lines insurer, your agent must apply for and receive rejections from at least three licensed insurers.

Freedom from some insurance regulation, such as coverage and rate filings, allows Surplus Lines insurers to respond to unmet needs of insurance consumers. The Florida Insurance Guaranty Association does not provide any coverage for claims if a Surplus Lines company goes bankrupt. A Surplus Lines policy shall have stamped or written on the first page of the policy the words:

“This insurance is issued pursuant to the Florida Surplus Lines law. Persons insured by Surplus Lines carriers do not have the protection of the Florida Insurance Guaranty Act to the extent of any right of recovery for the obligation of an insolvent unlicensed insurer.”

Thoroughly read any Surplus Lines policy, if purchased, since DFS does not regulate the rates these companies charge or the forms they use. These policies frequently involve differences in coverage and deductibles not found in other policies - for example, sinkhole or mold damage. Surplus Lines companies must give a 45-day notice of cancellation.

Wow, once they get started, they go up fast. I drove by 440 Tarsson on Thursday and they had just dropped off the lumber. This is what it looks like today.

http://i1260.photobucket.com/albums/...ps6c26085b.jpg

wondering how they will be priced with no bond or maintenance fees?

[QUOTE=bkcunningham1;919887]Just because it is written in the POA, or anywhere for that matter, doesn't make it true. Do your own research and go to reliable sources. I read in the POA that the homes weren't up to code and wondered why then are they removing them? What are they doing with these "uninsurable," out-of-code manufactured homes? Why not do like many private owners have done and raze the structure? Nothing is uninsurable. I know people who have homes much older than these homes who have insurance.

FYI: http://www.myfloridacfo.com/division...ersToolkit.pdf

I agree with you, BK. Something is very strange here.

While I am not an expert on manufacturered homes by any means, something doesn't sound right. What exactly is making these homes uninsurable??? No one is saying; they are only saying they are uninsurable -- period.

When a house is built, a C.O. (certificate of Occupancy) is not issued unless it meets code at that time. Times change and codes change, but a home does not constantly have to be updated for insurance coverage because the codes change.

Is there a difference for insurability because it's a manufacturerd home and not a block or frame built house?

I have friends in Port St. lucie who were told their insurance company would not reinsure their manufactured home until they completed a list of requirements, including a new roof. They had already put cool seal on it, but that wasn't good enough. That also means they would not be able to sell it.

[quote=Bonanza;925060]It is very confusing to see the homes that they are buying and replacing. Most are not that old and appear to be in very good shape. The ones I've seen are occupied. There are tons of older homes in poor condition that have been deserted for one reason or another. You would think that they would begin replacing those at first.

Possibly they feel that buying the "homes" that are already deserted and replacing those with new houses (prior to buying occupied "homes" in the Historic District); would drive up the value on the occupied "homes" that they plan to buy.

Timing is everything, the deserted "homes" are less likely to go anywhere price wise...

It may also be that many of the "abandoned" homes are either in foreclosure or a reverse mortgage home. It is my understanding that it is a very time consuming and complicated process to actually purchase these properties for some reason. The developer may actually have begun the process and it is taking a long time. It took a friend of ours over 18 months to purchase a foreclosed home here.

Also, when we were looking for a home here we were told that manufactured homes built prior to 1986 were difficult to insure. It could be done but was much more expensive.

[quote=Dr Winston O Boogie jr;925205]
Jim,

Your post may make people think that the developers are forcing people from their homes which is NOT the case. They bought homes that were for sale. I would guess that they also bought homes with clear titles and not those that were owned by banks. Simple and easy for them. It appears that they had certain criteria for buying the homes, the first appeared to be, to me anyway, that they were under 100K. I don't think that there is any deep meaning to this, and I don't always trust the POA's assessment of things.