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845-445-8255

Schedule A Consultation

Mobile & Manufactured Home Specialists

Mobile Home Underbelly Insulation and Belly Wrap Replacement

Serving the Hudson Valley, Orange & Sullivan County NY, and northern New Jersey.

If the belly wrap under your home is torn, sagging, or hanging open, you are heating the outdoors, your pipes are one cold snap from freezing, and rodents have a way in. We replace the failed insulation and restore the belly wrap in the same visit, so the floor cavity is sealed and dry again.

workspace_premiumBPI Accredited
holiday_villageParks & single homes
diversity_1Woman Owned, Family Run
verifiedServing NY & NJ since 2005
Spray foam mobile home underbelly insulation installed under a manufactured home floor in New York

Single-wide belly replacement

Usually 1 day

Quick Answer

The belly wrap — also called the bottom board or belly board — is the black membrane stretched across the underside of a mobile home's floor frame. It is not the insulation. It is what holds the insulation in place and keeps water, wind, and rodents out of the floor cavity.

When it tears open, the insulation falls away, the plumbing inside the cavity loses its protection, and the largest exposed surface of the home starts leaking heat continuously. Replacing the wrap and the insulation together typically costs $1.50 to $3.00 per square foot installed — about $1,500–$3,000 for a single-wide and $2,700–$5,400 for a double-wide.

Know What You Are Looking At

Signs Your Belly Wrap Needs Replacing

Some you can see from outside the skirting. The rest you feel from inside the house.

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Sagging or Hanging Belly

Pockets of wrap drooping between the frame rails mean the insulation above has come loose, absorbed water, or both. Once it sags it keeps collecting water.

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Tears, Holes, or Open Seams

Often from a plumbing or duct repair where the wrap was cut and never properly re-sealed. Any opening lets wind strip the insulation out over a season or two.

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Rodent Nesting or Droppings

Loose fiberglass in a warm belly cavity is ideal nesting material. Contaminated insulation has to come out, not be sealed back in.

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Cold Floors and Frozen Pipes

Your supply and drain lines run inside the belly cavity. Once the wrap opens, they are protected by almost nothing. A home that freezes up every winter usually has an open belly.

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Soft Spots in the Subfloor

Wet insulation held against the underside of the floor rots the decking and the joists. Springy floors near a bathroom or the water heater are the classic tell.

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Bills Climbing Without a Rate Change

The floor is the largest exposed surface on a manufactured home. An open belly leaks heat every hour of the heating season, and the furnace never catches up.

Straight Numbers

How Much Does It Cost to Replace Insulation Under a Mobile Home?

Typical installed ranges for the New York and New Jersey market. Every home is different — these are the numbers we see most often, not a quote.

Scope of workTypical installed costWhat drives the range
Underbelly insulation replacement
New insulation, with the belly wrap restored		$1.50–$3.00 / sq ftGround clearance, duct and plumbing obstructions, disposal
Single-wide, full belly
~1,000 sq ft		$1,500–$3,000The most common job we run on this page
Double-wide, full belly
~1,800 sq ft		$2,700–$5,400Marriage line condition, additional ductwork runs
Closed-cell spray foam underbelly
Insulation and air/moisture barrier in one		$2.50–$5.00 / sq ftThickness, clearance for the applicator, prep and removal
Removal of wet or contaminated insulation
Rodent damage or water saturation		Added to the aboveVolume of material, contamination level, disposal fees

Free estimate, in writing

We go under the home, photograph what we find, and give you a written price before anything is scheduled. No charge for the estimate.

One frozen-pipe call costs more

A burst supply line inside the belly means emergency plumbing plus water damage to the subfloor. Most belly repairs cost less than a single incident.

Park and multi-home pricing

Managing a community? We schedule and price several units together, which brings the per-home cost down considerably.

Choosing a Material

What Kind of Insulation Goes Under a Mobile Home?

Three approaches, and the right one depends on why the belly failed in the first place.

Fiberglass Batts + New WrapBlown-In Loose FillClosed-Cell Spray Foam
R-value per inchR-2.9 to R-3.8R-2.2 to R-3.8R-6.0 to R-6.5
Acts as its own air barrierNo — relies on the wrapNo — relies on the wrapYes
Handles moisturePoor — holds water, must stay dryPoor to fairExcellent — does not absorb water
Sags over timeYes, especially if ever wetCan settleNo — adheres to the substrate
Rodent resistancePoor — ideal nesting materialPoorGood — nothing loose to burrow into
Needs the belly opened upYes — full wrap replacementInjected through the existing wrapYes — applied to the underside
Best used whenWrap and insulation are both due, budget mattersWrap is sound but insulation has thinnedRepeat rodent or moisture problems, or you want it done once
Relative costLowestLow to moderateHighest

The Spec

What R-Value Should a Mobile Home Floor Have?

Manufactured homes are built to HUD thermal zone standards rather than one national R-value. Homes here in New York and northern New Jersey sit in the colder zones, where a floor value of roughly R-22 to R-33 is the modern benchmark.

Homes built before the 1994 HUD code update commonly left the factory at R-11 or less — and most of the ones we open have lost a good share of even that to sagging, water, or rodents. It is not unusual to find a 1980s single-wide performing close to an uninsulated floor.

The practical limit is the depth of your floor cavity. Where batts cannot physically reach the target, closed-cell foam gets more R-value into the same space — roughly double per inch.

Mobile home underbelly spray foam insulation being applied between floor joists

Our Process

How We Replace a Mobile Home Underbelly

1

We Go Under and Document It

Skirting comes off where needed and we inspect the full belly — wrap condition, insulation depth, moisture, rodent activity, duct and plumbing runs. You get photos of what is actually down there.

2

Free Written Estimate

A documented scope with the material, the target R-value, and the exact price. If a patch will genuinely do the job we will tell you that instead of selling you a full replacement.

3

Remove the Old Wrap and Wet Insulation

Failed bottom board and any saturated or rodent-contaminated material comes out and gets bagged. Nothing wet or contaminated gets sealed back in — that is the mistake that rots subfloors.

4

Insulate, Then Re-Wrap and Seal

New insulation goes in to the agreed R-value, with plumbing runs kept on the warm side. Then a new bottom board is installed and every seam, edge, and penetration is taped and sealed.

5

Skirting Back On, Site Cleaned

Skirting is reinstalled, the site is cleared, and you get after photos of the finished belly. Most single-wides are done in a single day.

Completed mobile home underbelly insulation and new belly wrap installed under a manufactured home

Mobile Home Insulation Contractors Near You — NY & NJ

Most general insulation companies will not crawl under a manufactured home. We do — and we have been doing it since 2005. We work with individual homeowners and with park and community managers, and we know how these homes are built: where the ducts run, how the marriage line behaves on a double-wide, and why the belly failed in the first place.

Woman owned, family run, and BPI accredited. Free estimates throughout the counties below.

Orange County, NY Sullivan County, NY Ulster County, NY Dutchess County, NY Rockland County, NY Westchester County, NY Bergen County, NJ Passaic County, NJ Essex County, NJ Hudson County, NJ
workspace_premium

BPI

Accredited contractor, not a handyman crew

holiday_village

Parks

Multi-home scheduling and pricing available

diversity_1

Since 2005

Woman owned and family run

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Documented

Before and after photos of your belly

Be Honest With Yourself First

Small Belly Repairs vs. a Full Insulation Job

Some of this is genuinely a homeowner job with a $30 repair kit. The rest is how a small problem becomes a rotted subfloor.

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Reasonable to do yourself

  • Patching a small tear with belly wrap repair tape
  • Re-securing a short section that has pulled loose at the rail
  • Closing a gap left after a plumbing repair
  • Checking the belly each fall and after heavy storms

Only if the insulation above the tear is still dry and in place — if it is wet, taping over it makes things worse. We do not sell patch-only visits: when the insulation is sound, a repair kit is genuinely your cheapest fix.

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Time to call an insulation contractor

  • Sagging across multiple bays or the full length of the home
  • Any wet insulation, mold smell, or soft spots in the floor above
  • Rodent nesting or droppings in the belly cavity
  • Pipes that have frozen, or ductwork hanging in the cavity
  • Anything requiring the whole bottom board to come down

The most common repair we are called to redo is a wrap re-taped over insulation that was already soaked.

Complete the Picture

Other Ways We Can Help

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Spray Foam Insulation

Closed-cell foam gives insulation and a moisture barrier in one pass — our recommendation for bellies with a history of rodents or water.

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Crawl Space Encapsulation

Where a home sits over a damp crawl space, sealing the ground moisture off is what keeps the new belly dry.

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Home Energy Audits

Thermal imaging and blower door testing that show whether the floor is really the problem — or only part of it.

Frequently Asked Questions

What is a belly wrap on a mobile home?add
The belly wrap — also called the bottom board or belly board — is the black woven or poly membrane stretched across the underside of a mobile home's floor frame. It holds the floor insulation in place and keeps water, wind, and rodents out of the floor cavity. It is not the insulation itself: the insulation sits above it between the floor joists, and the wrap is what keeps that insulation dry and in position.
How much does it cost to replace insulation under a mobile home?add
Replacing the belly wrap and insulation typically runs about $1.50 to $3.00 per square foot installed in the NY/NJ market — roughly $1,500–$3,000 for a single-wide (~1,000 sq ft) and $2,700–$5,400 for a double-wide (~1,800 sq ft). Closed-cell spray foam on the underbelly runs higher, around $2.50–$5.00 per square foot. Estimates are free and in writing.
What kind of insulation do you use under a mobile home?add
Three common approaches: fiberglass batts between the floor joists with a new belly wrap (traditional, lowest cost); blown-in loose fill injected into the belly cavity through the existing membrane; and closed-cell spray foam applied to the underside, which creates insulation and an air and moisture barrier in one step and does not sag. We lean toward foam on homes with a history of rodent damage or wet insulation.
What R-value should a mobile home floor have?add
Manufactured homes are built to HUD thermal zone standards rather than a single national R-value. Homes in New York and northern New Jersey fall in the colder zones, where a floor value of roughly R-22 to R-33 is the modern benchmark. Homes built before the 1994 HUD code update commonly have R-11 or less — and many have lost much of even that to sagging, water, or rodents.
How do I know if my underbelly insulation needs repair?add
From outside: the belly wrap sagging or hanging down in pockets, visible tears or holes, insulation falling out, or daylight through the membrane. From inside: cold floors in winter, drafts at floor level, pipes that freeze in cold snaps, uneven room temperatures, and heating bills climbing without a rate change. Rodent droppings or nesting material under the home means the wrap has already been breached.
How bad is it to have no insulation under a mobile home?add
It is one of the most expensive problems a manufactured home can have. The floor is the single largest exposed surface, and with the belly open the home loses heat continuously in winter and gains it in summer. Beyond energy cost, an open underbelly lets moisture reach the subfloor and joists (rot and soft floors), exposes plumbing to freezing, and gives rodents direct access to the floor cavity and ductwork.
Can I repair mobile home belly wrap myself?add
A small tear can be patched with belly wrap repair tape if the insulation above it is still dry and intact. Full replacement is a different job — working on your back in a low crawl space, handling insulation overhead, and working around ductwork, plumbing, and wiring suspended in that cavity. The most common DIY outcome we get called to fix is a wrap re-taped over insulation that was already wet, which traps the moisture and accelerates the rot.
Does underbelly insulation stop pipes from freezing?add
It is the main defense. In most manufactured homes the supply and drain lines run inside the belly cavity, protected only by the insulation and wrap around them. Once the wrap is torn open and the insulation has fallen away, those lines are effectively exposed to outdoor air. Restoring a sealed, insulated underbelly is usually the fix for a home that freezes up every winter.
Will new underbelly insulation keep rodents out?add
A properly sealed underbelly removes the easy entry point, and closed-cell foam gives nothing loose to burrow into, unlike fiberglass. Existing nesting material and contaminated insulation has to be removed first rather than sealed over. Where there is an active infestation, deal with that before the new wrap goes on so the problem is not closed in.
Do you serve mobile home parks and communities?add
Yes. We work with individual homeowners and with park and community managers across Orange, Sullivan, Ulster, Dutchess, Rockland and Westchester counties in New York, and Bergen, Passaic, Essex and Hudson counties in New Jersey. For multi-home work we can schedule and price several units together, which brings the per-home cost down.
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Find Out What Is Actually Under Your Home

We will go under, photograph what we find, and give you a written price. Free estimates across the Hudson Valley and northern New Jersey.

check_circleFree written estimate
check_circleBefore and after photos
check_circleMost single-wides done in a day

Schedule A Home Assessment With Our Insulation Experts