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Headof max was close with his answer. Mobile homes are manufactured at one point then intended to be moved for hundreds of miles before they are set up for final use.
Covering the underside of the floor joists aids in preventing insects from nesting or building cacoons in the joist cavities, then later being transported to another region where they would have an adverse effect on local agricutural crops. On some new mobile homes they actually have a letter affixed inside one of the windows that confirms the wrap was installed.
I have never seen the wrap installed on a site built home.
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