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Manufactured Homes Commission Abolished, Effective January 21, 2018

October 4th, 2017 Comments off

AxedPixabayDailyBusinessNewsMHProNewsIn place for the last ten years, the Ohio Manufactured Homes Commission [OMHC] is an independent agency, with a team of trained professionals, knowledgeable about the homes and the way they are built and installed,” said a statement from the Ohio Manufactured Home Association (OMHA) to MHProNews.

The Commission does its job free of political influence, ensuring every home installation is inspected and each one is safe. Now, the rigorous inspection process currently in place in Ohio will be absorbed into the [Gov. John] Kasich Administration’s 800 employee Department of Commerce bureaucracy,” the OMHA said.

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The Ohio trade association and several industry groups fought last year to stop the Kasich Administration from abolishing their inspection and regulatory process.  As was reported at the time on the Daily Business News (DBN), the OH House of Representatives initially went with the OMHA and the state’s resident rights home owner group.

But ultimately, Kasich’s efforts to abolish the OMHC succeeded.

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Image credits, OMHA, provided under fair use guidelines.

Fingers Crossed in Hope…

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Tim Williams, OMHA.

Our Association along with the resident…rights group (The Association of Manufactured Homes Residents in Ohio – AMHRO) hope the Kasich Administration will continue to inspect 100% of all new and used home installations without unnecessary delays,” OMHA said.

Kasich, as those who follow national politics know, has become a bit of a wild-card in GOP politics, hinting he may leave the party if it doesn’t change to his liking.

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MH Industry sources with ties to the state tell MHProNews that they supported the governor’s political campaign. But those campaign contributions fell on deaf ears when this issue of their state regulatory agency came up.

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The Ohio Manufactured Homes Commission will formally end next January, 2018. What will take its place is not yet known. Credit, OMHC.

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Photo provided by Andrea Reichman upon MHProNews request.

The manufactured homes industry provides Ohioans affordable homes that are well built and fire safe, helping people regardless of their income achieve the dream of home ownership,” said the OMHA’s statement. “Hopefully the administration will also realize that manufactured homes are safe, well built, and owned by people who care for their properties.”

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“OMHA plans to offer more information on the OMHC transfer as information becomes available. Your patience is appreciated as the industry prepares for this new era,” the OMHA said. Credit, OMHA.

We stand ready to assist the [Kasich] Administration in the transition. We hope the Administration will call on our Association and AMHRO during the transition. We also encourage the Administration to transfer the small Commission staff with 88 years of combined experience to the Department of Commerce to ensure continuity in the regulatory program. We look forward to working together to ensure homeowner safety for Ohio’s manufactured home residents,” the OMHA said. ##

Update 10.5.2017 at 9:48 AM ET:

As always, thanks for your interest in the Ohio battle,” said OMHA Executive Director, Tim Williams.

It is worth noting, that the industry support you reference for Kasich’s Presidential bid DID NOT come from OMHA,” Williams stated in an on-the-record email. “I am also not aware of any Ohio industry people directly supporting Kasich’s Presidential bid, though there obviously could be some who did. Regardless, political contributions are not a quid pro quo or designed to be but merely to express support for aspects of the political process supportive of quality affordable and safe manufactured homeownership.”

MHProNews did not intend to imply that OMHA supported Gov Kasich, so we welcomed this clarifying comment,” said publisher L. A. “Tony” Kovach. “Our sources for the information were OMHA members, but it was not the OMHA itself.”

It is always the aim of the Daily Business News on MHProNews to get the facts right, and we welcome comments, and make revisions if and as needed.  As it stands, Williams’ comments were a helpful clarification, but did not change the facts as reported. ## (News, commentary, analysis.)

(Image credits are as shown above.)

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News on MHProNews.com

City Decision Sparks Discussion, Should Manufactured Home Communities be Allowed to Lease Sites to RVs?

August 25th, 2017 Comments off
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Featured image credits, RVLemonLaw, Renrenpeng, MHProNews.

Should Recreational Vehicles (RVs) be allowed to use vacant lots in a manufactured home community?

That question sparked a debate in the state of Ohio, and elsewhere.

Some manufactured home communities that have a vacancy issue would happily rent vacant lots to towable or motorized RVs, to bring in additional revenue.

Others – generally the more upscale, ‘4 to 5 star’ communities – are often less receptive to leasing a home site in their communities to any RV.

In Bucyrus, Ohio, some communities are looking to be able to share their land with RVs.  But they are running into zoning issues.  Per sources in Ohio to MHProNews, that may or may not even be up to the city council do determine.

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John Rostash, the Buycrus Zoning Administrator. Credit, City of Bucyrus.

Genesis of a Controversy

The issue arose due to an influx in temporary workers in the gas and oil industry.  A number of them bought RVs, or they seek  other short-term housing arrangements other than living out of a hotel room.

That’s where the whole thing started, was with the pipeline guys,” John Rostash, the city’s zoning administrator.

According to the Bucyrus Telegraph-Forum, communities that want to lease sites to RVers are located in the city’s manufactured home residential zoning district.  The city does not clearly allow RVs, campers, or any housing other than HUD Code manufactured homes in a land-lease community (LLC).

The city council considered the possible disruption in those areas caused by leasing MHC (LLC) sites to RVs.

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Councilman Steve Pifer. Credit, City of Bucyrus.

I can’t fault these guys [manufactured home community owner/operators] for what they’re doing,” Councilman Steve Pifer.

I can understand if we were talking about turning the art park into a campground, but we’re not,” Pifer said. “I’m not sure this is such a horrible thing.”

Pifer said he sees how this could be beneficial to those communities that wish to do so.

But some other council members have raised concerns that the RVs will be vacant over the winter, becoming an eyesore of sorts. Rostash countered that doing so wouldn’t be allowed in the first place.

They’re asking for it to be used as a campground, not as a storage facility,” Rostash said.

OMHC Ought to Regulate?

While the city council debates over whether or not these communities should be allowed to let RVs into their parks, a source in Ohio tells MHProNews that it is the Ohio Manufactured Homes Commission (OMHC) that should have the final say on the matter.

The Ohio Manufactured Homes Commission determines what is appropriate or not for MH Parks by law. Zoning a park does fall under local authorities but they do not have jurisdiction within the park to determine what may or may not be allowed in park lots,” per an informed source in Ohio.

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Ohio Manufactured Homes Commission. Credit, OMHC.

The Daily Business News has previously reported on Ohio Governor John Kasich’s elimination of the Ohio Manufactured Homes Commission. However, as it stands now, the OMHC still has the last say as to what happens within communities until the transfer to the Ohio Department of Commerce (DOC) is complete.

MHProNews is told that will be the case until “the transfer to the Ohio Department of Commerce will take place January 21, 2018.”

RVs Create Controversy for MH Parks Abound

Bucyrus isn’t the only place having trouble when it comes to allowing RVs in manufactured home communities.

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Richard Nodel, owner, Nodel Parks, photo credit, LinkedIn.

We have several communities that include RV sites. So long as RV’s are in a segregated area, we have never had any complaints or problems,” said Richard Nodel, owner of Nodel Parks.

We faced a similar situation in Wyoming where the city of Gillette wanted to restrict Rvs which typically were used by construction and coal mine workers. Our argument was that these RV’ers wanted to live in a residential environment rather than the typical local RV Park that catered to overnighters,” Nodel told MHProNews.

SpencerRoanePentagonPropertiesCreditsPostedDailyBusinessNewsResearchDataReportsMHProNewsWe allow them in communities where the local regulators don’t object.  Some regulators, however, differentiate between HUD & RV, and won’t allow the latter in LLCs,” [land lease communities] said Spencer Roane, of Pentagon Properties in an email to MHProNews.

Another Association with Numerous Communities Viewpoint

According to a statement from the Minnesota Manufactured Housing Association, several Minnesota community owners were approached by an entity based in a neighboring state, offering for sale, surplus recreational park trailers or park models, no longer needed to house transient workers. They were marketed to communities as a fast and economical way fill vacant home sites, by either selling or renting the units.”

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Minnesota Manufactured Housing Association logo. Credit, MMHA.

In response “the MMHA reminded its community members that recreational park trailers and park models were not a permitted use in manufactured home communities.”

However, Minnesota’s laws do have a solution for parks who wish to accommodate both manufactured homes and RVs.

Minnesota Statute allows for holding a dual license as a manufactured home community and a seasonal recreational campground, with designated sites and requirements for each. There is no reported effort underway in the State of Minnesota to allow recreational park trailers or park models for use in manufactured home communities.”

 

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Bucyrus City Hall and Police Department. Credit, Wikimapia.

Back in Ohio, according to the Bucyrus Telegraph-Forum, members of the Bucyrus city council decided to send the issue to the county’s Planning Commission.  They could put together a list of suggested guidelines allowing the communities to have “conditional use” to rent their vacant lots as an RV “campgrounds” site.

This discussion has been an ongoing one in community and zoning circles for years, and is likely to continue in areas where vacancy issues for manufactured home community operators continue. ## (News, analysis.)

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews

 

 

 

OMHA, Manufactured Home Residents Ratchet Up Pressure

May 19th, 2017 Comments off
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Credit: OMHA.

In a story that has put the importance of good governance front and center, manufactured home residents in Ohio, along with the Ohio Manufactured Homes Association (OMHA) urged state senators to keep the Ohio Manufactured Homes Commission (OMHC) active.

As Daily Business News readers are already aware, the Ohio House of Representatives passed Substitute HB 49, the “State of Ohio budget bill” on May 2nd, restoring the Ohio Manufactured Homes Commission (OMHC), consistent with present law. That bill is now under review in the state senate.

The saga began when the Ohio Fire Chief’s Association sent a letter to lawmakers at the end of March supporting a provision in the state budget to kill the commission. The Daily Business News covered the response from the commission in a story linked here.

Commentary from the association, and the state fire marshal, was inflammatory.

30 people died in 1,208 manufactured home fires between 2012 and 2016,” said the letter from the Association.

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Credit: Media Nation.

Ohioans are 4.2 times more likely to die in a manufactured home that caught fire than a one- or two-family home,” said state Fire Marshal Larry Flowers, who cited a four-year study of state data showing there are more fatal fires in manufactured homes in Ohio than in any other surrounding state.

This commentary was followed up with a move from Governor John Kasich’s office, as the Governor’s Executive Budget legislation included a provision seeking to eliminate the OMHC and move its duties into the Department of Commerce.

And that spurred serious action.

Burying the regulation of the manufactured homes program in a bureaucracy is ill advised,” said Evan Atkinson, the OMHC Vice-Chairman, to members of the Senate Finance Subcommittee on General Government and Agency Review.

The Administration has exhibited a lack of understanding regarding the comprehensive nature of manufactured homes regulation throughout these legislative deliberations.”

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Credits: Official Photos, OMHA, OMHC, Digital Imaging Reports, Ohio EPA.

James Demitrus, member of the residents’ association and former resident appointee to the OMHC, also shared his feelings on the importance of the commission during the hearing.

The Commission today inspects 100 percent of home installations. The Commission’s requirement that every home be inspected was a revolution in the industry,” said Demitrus.

The Commission was the residents’ best hope of ensuring that they can live in communities that are safe and well-maintained.”

Frank Pojman, President of the Association of Manufactured Home Residents in Ohio, also testified at the hearing, providing a unique perspective.

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Credit: OMHA.

Pojman once opposed creating the Commission, but now supports keeping it focused on its safety and inspection mission, separate from the Administration’s control.

Then I did not understand how it could help the residents of Ohio. But after all these years of experience with the Commission we obtain quick and reliable service for our residents, especially involving home safety and park [sic] living,” said Pojman.

Governor Kasich’s blanket negative statements about the quality and safety of manufactured homes are demeaning and disrespectful, and I will remind the Senate Committee that nearly a million Ohio residents live in a manufactured home,” said Pojman.

I think the Governor has been misled by the state agencies that want to assume the Commission’s duties.”

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Tim Williams, OMHA Executive Director.

In an exclusive discussion with MHProNews, OMHA Executive Tim Williams explained why the battle taking place in Ohio is important for the industry as a whole.

When our homes and their superior building and fire safety are misrepresented it hurts our businesses and residents. We must always stand up for the truth about the affordability and superior fire safety of manufactured homes for our customers and industry,” said Williams.

The truth always matters. We must never let others define us with false representations. We provide the most affordable, quality and safest homes of any sort today. The world needs to know that. Our opponents can have their opinions but they are never entitled to their own set of facts.”

For more on the battle in Ohio, click here. ##

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

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RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

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Big Win for OMHA/OMHC in House, Senate Vote Next

May 4th, 2017 Comments off
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Credits: Reddit, NY Mag, MHProNews/OMHA.

In a story that the Daily Business News has followed closely, the Ohio Manufactured Housing Association (OMHA) saw the Ohio House of Representatives pass Substitute HB 49, the “State of Ohio budget bill” on May 2nd, restoring the Ohio Manufactured Homes Commission (OMHC), consistent with present law.

As we reported prior, the original proposal from Governor John Kasich’s’ office would have abolished the OMHC, and transferred its responsibility to the Ohio Department of Commerce (DOC).

At the core of the campaign against the Commission are claims from Ohio fire and environmental officials who say the board doesn’t do enough to prevent manufactured home fires and ensure clean drinking water in the MH communities.

DramainOhioFakeNewsFactsandMythscreditMediaNation-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Media Nation.

As Daily Business News readers are already aware, we have pointed out the facts versus myths surrounding manufactured homes and fires, noting that homes built under post-1976 federal regulations have the same rates in this area as traditional homes.

The OMHC has wide ranging responsibilities as an independent agency, including all regulation of home installations & inspections, dispute resolution, sales licensing, and manufactured home community regulation.

The OMHC also conducts inspections of all new and previously owned manufactured home installations, resulting in less than 10 complaints in the last three years. By comparison, 23,000 home installations have occurred in the last decade, and prior to the Commission’s existence 500 -800 improper home installation complaints occurred annually.

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Credit: OMHA.

The OMHA, along with the Association of Manufactured Home Residents of Ohio (AMHRO), representing homeowners and residents, vigorously opposed the proposal from the Kasich Administration during recent legislative testimony before the Ohio House.

During the testimony, AMHRO President Frank Pojman said: “I urge any of your Committee to review agendas and minutes of the MH Commission meetings, to see the all-important issues that are discussed, for the benefits and safety of manufactured homeowners.”

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Tim Williams, OMHA.

The House of Representatives provided for thorough discussion during legislative testimony,” said OMHA Executive Director Tim Williams.

I am pleased the House recognized the value of maintaining the independent Manufactured Homes Commission and its record of consistently operating below budget, providing 100% homeowner safety inspections and reducing both homeowner and business fees.”

The Ohio Senate will now consider Substitute HB 49. The Daily Business News will continue to follow this story closely and provide updates. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

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RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Drama in Ohio: Fake News, Facts and Myths

April 26th, 2017 Comments off
DramainOhioFakeNewsFactsandMythscreditMediaNation-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Media Nation.

The ongoing battle between the Ohio Manufactured Housing Association (OMHA) and Ohio Governor John Kasich over the status of the Ohio Manufactured Housing Commission (OMHC) has been taken to a whole new level, with what informed sources  are calling “fake news.”

According to a story from WOSU, Gov. Kasich wants to merge the OMHC with the Department of Commerce, which includes the fire marshal’s office.

As Daily Business News readers are already aware, The Ohio Fire Chief’s Association sent a letter to lawmakers at the end of March supporting a provision in the state budget to kill the commission. The Daily Business News covered the response from the commission in a story linked here.

Commentary from the association, and the state fire marshal, was inflammatory.

30 people died in 1,208 manufactured home fires between 2012 and 2016,” said the letter from the Association.

OhioManufacturedHomesAssociationCallsforHelpcreditOMHA-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: OMHA.

Ohioans are 4.2 times more likely to die in a manufactured home that caught fire than one- or two-family home,” said state Fire Marshal Larry Flowers, who cited a four-year study of state data showing there are more fatal fires in manufactured homes in Ohio than in any other surrounding state.

OMHA Executive Director Tim Williams fired back, calling out the association on their “facts,” pointing out the facts versus myths surrounding manufactured homes and fires, noting that homes built under post-1976 federal regulations have the same rates in this area as traditional homes.

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Tim Williams, OMHA.

The administration is spreading false information and misleading information because the commission is pushing back against Kasich’s proposal,” said Williams.

Local or state fire officials have no authority to inspect or educate or require different fire codes for manufactured homes.”

Williams has also testified extensively before three different House of Representatives Finance Committees.

The Swamp has risen up against our residents and industry. OMHA and AMHRO have united on behalf of our residents and businesses to oppose the Ohio Department of Commerce’s extravagant request for spending authority of 30% more to conduct the same program,” said Williams.

Incredibly, the Department of Commerce not only wants more money but would drastically reduce the Commission’s 100% inspection of all new and used home installations, thus jeopardizing the safety of our homeowners and residents.”

 

Terminology Matters 

In a recent story from the Daily Business News about mobile and manufactured home myths and facts, we shined a bright light on the differences between mobile and manufactured homes, and why terminology matters.

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Chief Mark Keller. Official Photo.

This fire involved a true mobile home and was not a manufactured home. I do not have the age of the mobile home available right now,” Urbana Fire Chief Mark Keller told MHProNews.

Mobile homes are inherently bad with fire conditions. They’re not really designed to withhold any kind of fire.”

As an Industry, we are always saddened to hear of such tragedies such as the fire that occurred in Champaign County,” said OMHA Assistant Director Andrea Reichman, commenting on the story.

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Andrea Reichman. Credit: LinkedIn.

As noted by the local Fire Chief Mark Keller, the home involved was a ‘mobile home,’ which indicates the home was built prior to the 1976 HUD Code Federal Manufactured Home Construction and Safety Standards,” Reichman said.

Often times such incidents are reported inaccurately, and facilitate the image that manufactured homes are not safe when nothing could be further from the truth.  Manufactured homes are no more prone to fire than homes built on-site. The 1986 national fire safety study by the Foremost Insurance Company showed that site-built homes are more than twice as likely to experience a fire than manufactured homes,” said Reichman.

The issues in Ohio point to a larger trend that’s happening nationally, and the Manufactured Housing Association for Regulatory Reform (MHARR) has spoken out against what it calls “sloppy journalism.”

While any harm to people or property is regrettable, there is no excuse for sloppy journalism that can harm the industry and consumers. The fact is that today’s federally regulated manufactured homes are as safe or safer than other types of homes when it comes to fire, as shown by research done by the National Fire Protection Association on multiple fire safety metrics,” said M. Mark Weiss, JD, President CEO of MHARR.

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M. Mark Weiss. Credit: MHProNews.

It is therefore misleading and a disservice to readers to fail to distinguish between pre-1976 ‘mobile homes,’ said Weiss, and today’s manufactured homes. This is why MHARR successfully demanded several years ago that the U.S. Fire Administration remove similarly misleading language from it’s website. 

The industry and consumers need to insist on an accurate media portrayal of today’s high-quality manufactured homes,” said Weiss.

For more on the battle between the Governor’s office and OMHA over the OMHC, click here. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews

UPDATE: OMHA Fires Back in Manufactured Housing Commission Battle

April 4th, 2017 Comments off
UPDATEOMHAFiresBackinMHCommissionBattlecreditOfficialPhotosOMHAOMHCEPADigitalImagingReporter-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credits: Official Photos, OMHA, OMHC, Digital Imaging Reports, Ohio EPA.

In a story that the Daily Business News originally covered here, the battle between the office of Ohio Governor John Kasich and the Ohio Manufactured Housing Commission (OMHC) has heated up yet again.

And, the Ohio Manufactured Homes Association (OMHA) is firing back.

According to the Dayton Daily News, Governor Kasich is calling for the OMHC to be disbanded, and its responsibilities delegated to the Ohio Department of Commerce. The call is part of the governor’s budget proposal pending before the Ohio General Assembly.

At the core of the campaign against the Commission are the claims from Ohio fire and environmental officials who say the board doesn’t do enough to prevent manufactured home fires and ensure clean drinking water in the MH communities.

But industry professionals, including OMHA Executive Director Tim Williams, are backed with facts, and say that there’s more to the story.

The administration is spreading false information and misleading information because the commission is pushing back against Kasich’s proposal,” said Williams.

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Tim Williams, OMHA Executive Director.

As Daily Business News readers are already aware, we have pointed out the facts versus myths surrounding manufactured homes and fires, noting that homes built under post-1976 federal regulations have the same rates in this area as traditional homes, and Williams pointed to similar data.

Local or state fire officials have no authority to inspect or educate or require different fire codes for manufactured homes,” said Williams.

Association of Manufactured Home Residents in Ohio President Frank Pojman says that in many cases, manufactured homes are actually safer.

When these houses are built, they are inspected at the factory,” said Pojman.

When they leave the factory, it has a tag that says it meets federal safety standards. You don’t get that in a stick built home.”

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Credit: Stoveguard, MHLivingNews.

For one industry professional, who is also involved with the commission, the need for it is obvious.

I believe wholeheartedly, whether I sit on the commission or not, it’s one of the best things that’s happened to the manufactured home community in Ohio,” said Evan Atkinson, general manager of Clayton Homes in Frazeyburg and a commissioner on the board.

Since the commission was created, the number of complaints about mobile home installation has plummeted from hundreds to a number you can count on one hand. What’s proposed now is to fragment it and stick it back out into deep bureaucracy.”

Atkinson says that the commission currently requires inspection of every single home installed in Ohio, and points out that it’s a commitment the Department of Commerce has not made.

I believe there’s a probably a good likeliness that homes may not be installed as well as they are currently being installed,” said Atkinson. He also noted that after establishing new rules for licensing and inspections, the commission has heard one complaint in the last three years, as opposed to the more than 500 complaints every year from consumers about mobile home installation before the commission was created in response to federal rules in 2003.

I think the Manufactured Homes Commission has proven they do the right thing by consumers in Ohio, and that’s very much proven by the number of dispute resolution cases there used to be and the number of dispute resolution cases today,” said Atkinson.

 

From Fire to Water

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Credit: OMHA.

In addition to the onslaught from Ohio fire officials, the Ohio EPA told the Dayton Daily News that its efforts to “force Ohio mobile home parks [sic] to provide their residents safe drinking water have been slowed by inaction on the part of the commission.”

In a statement, the Ohio EPA says that it shares oversight with OMHC over the state’s 250 manufactured home communities that operate their own water systems.

This includes Pineview Estates in Miamisburg, where about 400 residents routinely lost running water; and Catalpa Grove Mobile Home Park in Dayton, where the owner failed to test the system for contaminants such as lead, copper and bacteria,” the EPA said in the statement.

In both cases, the Manufactured Homes Commission denied any appreciable assistance to the Ohio EPA in taking action on the park’s [sic] license, instead forcing the EPA to pursue the issue through lengthy court battles. The manufactured homes commission rarely – if ever – bothers to use its full regulatory authority to enforce safe water rules.”

According to OMHC director Janet Williams dealing with the EPA caused more confusion than progress.

We have never had clear authority to take action against a mobile home park [sic] owner’s license for water quality issues since we began licensing mobile home parks [sic] in December 2012,” said Williams.

We want to work with them in the process of whatever legal avenue we have to help them enforce the water rules they have in manufactured home parks [sic].”

Strong words from the Ohio EPA came as a surprise to Tim Williams.

The EPA showed little interest in increasing oversight of manufactured home communities in the past.”

Jim Demitrus, who was on the commission board from 2006 through 2015, pointed out that pulling a manufactured home community’s license over water issues would lead to serious and potentially severe consequences for residents.

If they pull the license, everybody in that community has to move out,” said Demitrus.

I would like to see somebody in state government do that. Pull the license, and you have to move 100 families.”

The Daily Business News will continue to follow this story closely and provide updates. ##

 

(Image credits are as shown above.)

 

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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.