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Storm Damage Insurance Claim Packet Builder

Turns your rough notes, photo lists, and repair quotes about storm damage to park-owned property into an organized claim packet you can send to your insurance agent or adjuster.

Mobile home parkProperty✓ Checkedv1.2

Before and after

BEFORE · what the owner typed

ok so storm hit friday night april 11 around 9pm, big wind and some hail. Cascade Ridge MHP, 400 Quarry Rd. policy is with Heartland Mutual, policy # HM-220458, agent is Jada Joshi 555-0112. so damage: clubhouse roof lost a bunch of shingles on the back side and theres water stain inside on the ceiling, photos IMG_201 to IMG_206. Roofer Tri-County Roofing quoted 7,400 to fix. Entrance sign by the road got knocked over, broke the post, IMG_207, no quote yet but i think about 1,200 to rebuild. about 140 feet of fence along the back by lots 31 to 38 blew down, IMG_208 and 209, Baker Fence quote 5,600. Big oak fell across Dogwood Lane and took down the power line to lot 12 and 13, utility came saturday and fixed the line. Tree guys Hollis Tree Service cut it up saturday, I paid them 1,850 receipt in my email. I put a tarp on the clubhouse roof myself saturday, tarp and rope was 96 at the hardware store, got receipt. Lot 22 resident says his carport got crushed by a branch and his car has dents. I called Jada monday morning. Nobody hurt. Dogwood Lane was blocked off till saturday afternoon.

AFTER · what the skill produced

1. Claim summary
Park: Cascade Ridge MHP, 400 Quarry Rd
Insurer: Heartland Mutual, Policy # HM-220458
Agent: Jada Joshi, 555-0112
Storm: High wind and hail, Friday, April 11, around 9:00 PM
Summary: A storm with strong wind and hail damaged park property. The clubhouse roof lost shingles and has water staining inside. The entrance sign was knocked over. About 140 feet of back fence came down. A large oak fell across Dogwood Lane and took down the power line serving lots 12 and 13. No one was hurt.

2. Damage list

Clubhouse roof, back side. Many shingles missing. Water stain on the interior ceiling. Photos: IMG_201 to IMG_206. Quote: $7,400 (Tri-County Roofing).
Entrance sign by the road. Knocked over, post broken. Photo: IMG_207. Owner estimate: $1,200 to rebuild. No quote yet.
Back fence, lots 31 to 38. About 140 feet down. Photos: IMG_208, IMG_209. Quote: $5,600 (Baker Fence).
Large oak tree across Dogwood Lane. Fell across the road and took down the power line to lots 12 and 13. No photo listed. Removal cost is in section 3. The utility repaired the line on Saturday.

3. Emergency and temporary work

Saturday: Hollis Tree Service cut up and cleared the oak. $1,850 (receipt in owner's email).
Saturday: Owner tarped the clubhouse roof. Tarp and rope, $96 (hardware store receipt).
Dogwood Lane was blocked off until Saturday afternoon.
Emergency subtotal: $1,946

4. Resident property, not part of this claim unless your insurer says otherwise

Lot 22: carport crushed by a branch and vehicle dents, as reported by the resident. This is the resident's property. Suggest the resident contact their own insurer. Ask Jada Joshi how she wants this handled.

5. Totals

Repair quotes: $7,400 + $5,600 = $13,000
Owner estimate (sign, no quote yet): $1,200
Emergency costs: $1,946
Combined total, including the sign estimate: $16,146
Coverage and payment are decided by Heartland Mutual, not by this packet.

6. Timeline

Fri, April 11, about 9:00 PM: Storm hits.
Sat, April 12: Utility restores power line. Hollis Tree Service clears the oak. Owner tarps the clubhouse roof. Dogwood Lane reopens in the afternoon.
Mon, April 14, morning: Owner calls agent Jada Joshi.

7. Still needed

Photos of the fallen oak, the road blockage, and the downed power line, if any were taken before cleanup
A written quote for the entrance sign
The Hollis Tree Service receipt and hardware store receipt, saved with the packet
The utility's repair date or work order number, if they gave one
Any photos of the inside water stain close up
Confirm the claim deadline and any deductible with your policy or agent
Do not throw away broken sign pieces or fence sections until the adjuster says it is okay

8. Cover message
Hi Jada,
As we discussed Monday, Cascade Ridge MHP at 400 Quarry Rd had storm damage on Friday, April 11. Attached is our claim packet with photos, quotes, and receipts for the clubhouse roof, entrance sign, back fence, and the fallen oak on Dogwood Lane. Policy # HM-220458. Please let me know what else you need and when an adjuster can come out. The clubhouse roof is tarped for now. Thank you.

Safety reminder: for any hanging limbs, downed lines, or gas smells, call the proper licensed professional or utility and keep residents away.

What it does

Turns your rough notes, photo lists, and repair quotes about storm damage to park-owned property into an organized claim packet you can send to your insurance agent or adjuster. It covers things like roofs, fences, signs, streets, utilities, trees, and common buildings.

Use it when: Use when a mobile home park owner or manager needs to organize storm damage to park-owned property into an insurance claim packet, such as "build my claim packet," "the storm took out our fence and clubhouse roof," "I need to file with the insurance company," or "put my damage notes in order for the adjuster."