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e. Perimeter Enclosure (02/16/2021)
i. Definitions
Perimeter Enclosure refers to a continuous wall that is adequately secured to the perimeter of the unit and allows for proper ventilation of the crawl space.
Skirting refers to a nonstructural enclosure of a foundation crawl space intended to ensure the crawl space is free from exposure to the elements and free from vermin, trash, and debris. Typically, but not always, it is a lightweight material such as vinyl or metal attached to the side of the Structure, extending to the ground (generally, not installed below frost depth).
ii. Standard
The space beneath Manufactured Homes must be properly enclosed. The perimeter enclosure must be a continuous wall that is adequately secured to the perimeter of the unit and allows for proper ventilation of the crawl space.
Skirting, when applicable, must extend from the bottom of the Manufactured Home to the permanent foundation, or to the perimeter enclosure, whichever is appropriate for the situation. This skirting must be permanently affixed to both the Manufactured Home and the foundation or perimeter enclosure, as appropriate.
iii. Required Analysis and Reporting
The Appraiser must notify the Mortgagee and report a deficiency of MPR or MPS if the Manufactured Housing unit is not properly enclosed or the skirting is not properly affixed and/or is not serving its intended purpose. The Appraiser must call for repairs or further inspection, when warranted.