Hurricane retrofit
Hurricane retrofit for Florida mobile homes — book before storm season.
Florida hurricane season runs June 1 through November 30. Most mobile home damage in storms comes from anchor failure, not roof or wall failure. We retrofit older homes to current FL Rule 15C-1 standards before storms arrive, and we file the paperwork your insurance company asks for.
When to schedule
We book hurricane retrofit jobs heavily February through May. Once a named storm is in the Gulf, every contractor in Florida is at capacity and prices go up. Plan ahead.
Why this matters: lessons from Florida hurricane history
Destroyed 11,000+ mobile homes in South Florida. Led directly to FL Rule 15C-1 and the High Velocity Hurricane Zone (HVHZ) standards.
Hit Punta Gorda Cat 4, ~12,000 mobile homes destroyed. Showed that pre-1994 homes without proper anchoring failed at much lower wind speeds than rated.
Cat 4 statewide impact. ~25% of mobile homes in some Keys areas destroyed. Most failures: anchors pulled out of wet soil that hadn't been pull-tested.
Cat 4 in Lee County. Damaged or destroyed ~13,000 mobile homes. Properly retrofitted homes survived; many older un-retrofitted homes total losses.
What a hurricane retrofit includes
- Site soil class assessment to confirm anchor type
- All ground anchors pull-tested or replaced if rating insufficient for current wind zone
- New frame ties added or replaced to FL Rule 15C-1 spacing (max 5 ft 4 in)
- Stabilizer plates installed on every diagonal anchor (required for 14 ft+ wide homes)
- Vertical (over-the-top) ties added for older or higher-risk homes
- Skirting reinforcement and ventilation check
- Tie-down inspection scheduled with county
- Documentation pack: invoice, license proof, $1M insurance proof, inspection certificate, anchor pull-test logs
Available discounts
Insurance and the My Safe Florida Home program
If your home was permitted before current standards, retrofitting may qualify you for an insurance discount. The state My Safe Florida Home program (MSFH) offers grants up to $10,000 for qualifying mitigation work. We provide the contractor documentation MSFH needs. Your insurance carrier may also reduce your wind premium 5 to 35 percent after retrofit, depending on policy.
Typical retrofit pricing
Pricing varies by soil class, lot access, and how much existing hardware can be reused. Site assessment is free for jobs in our service area.
Schedule your retrofit before the next storm
Tell us your ZIP and home size. We send a quote the same day and get you on the schedule before peak hurricane season fills up.