Hurricane Damage · Insurance Housing
Temporary RV Housing After Hurricane Damage: Delivered to Your Property
Stay on your own property while your home is repaired. We deliver and level a fully equipped RV and connect water and sewer, and a licensed electrical contractor installs the power. Delivery is about four days from approval to move-in. Delivery and setup are priced separately for each property.
How insurance-paid RV housing works after a hurricane
When a hurricane makes your home unlivable, your homeowners policy's Loss of Use / Additional Living Expenses (ALE) coverage is designed to pay for temporary housing. A fully set-up RV on your own property is one of the housing options that typically qualifies, and it's usually the option that keeps a displaced family closest to their normal life while repairs happen.
We coordinate the RV, delivery, leveling, water, and sewer, and a licensed electrical contractor installs a temporary power pole. Before anything moves, your adjuster needs a written estimate from us. Once the housing is approved, most adjusters pay us directly. See what this arrangement looks like.
Wind vs. flood: the distinction that decides your ALE
Standard homeowners policies cover wind damage and exclude flooding. Hurricanes often cause both, so the kind of damage your adjuster finds usually decides how your temporary housing gets paid.
Wind damage (roof loss, tree strikes, structural damage from gusts) usually falls under your homeowners policy. Its Loss of Use coverage, also called Additional Living Expense or ALE, is what usually pays for temporary housing while repairs happen.
Flood damage (rising water, storm surge, standing water inside the home) runs through a separate NFIP flood policy, and NFIP does not include Loss of Use coverage. Many hurricane claims involve both types of damage, and your adjuster decides which policy pays for what. We walk through our guide to flood insurance and temporary housing if water was the bigger loss.
If you're not sure which applies to your claim, call us. Your adjuster makes the coverage decision, and we can walk you through how approval works before you commit to any housing arrangement. Full explanation of insurance-covered RV housing.
Where the RV can sit is set locally, so we keep state guides for Florida, Texas, and North Carolina.
For the full insurance guide, including state wind pools and hurricane deductibles, see temporary housing after a hurricane.
The 4-step process
Call us
We take basic details about your claim, your insurance company, and your property.
Written estimate to your adjuster
We send your adjuster a written estimate for the housing. Approval usually arrives by email or letter.
Delivery & setup
Delivery is about four days from approval to move-in. We deliver and level the RV and connect water and sewer, and a licensed electrical contractor installs the temporary power pole.
Live on your property
You stay on your property during repairs. Most adjusters pay us directly. Some pay through a housing agency, and occasionally the insurer pays you and you pay us.
What's included
- Modern RV up to about 40 feet, sized to your property
- Delivery and professional leveling
- Temporary power pole and 50-amp hookup installed by a licensed electrical contractor
- Water and sewer connection (septic tie-in, cleanout, or holding tank service)
- Permits when required
- Winterization when needed
- Walkthrough at handover and ongoing support
- Billing to your adjuster after approval, in most claims
Delivery and setup are priced separately for each property.
Pets welcome, no restrictions. See nightly pricing for a breakdown of what carriers typically approve.
Delivery is about four days from approval to move-in
Delivery is about four days from approval to move-in. The main variable is scheduling the electrical contractor. A temporary power pole has to be permitted and installed by a licensed electrician, so we start that coordination the moment coverage is confirmed, in parallel with delivery.
Current storm response
Isaias made landfall near Destin, Florida, around 8:30 p.m. CDT on Friday, October 9, with maximum sustained winds of 105 mph, according to the National Hurricane Center, and weakened to a post-tropical cyclone over Alabama overnight. Updates from each advisory, what your policy may pay, and how to get an RV on your own lot.
Not a hurricane? If your home was damaged in the July 27 EF3 tornado in Wisconsin's Fox Valley, see our guide to living in an RV on your own property after the Fox Valley tornado.
Frequently asked questions
Does homeowners insurance pay for temporary housing after a hurricane?
In most wind-damage claims, yes. Loss of Use / Additional Living Expenses (ALE) coverage pays for temporary housing while your home is being repaired, and a fully set-up RV on your property typically qualifies. Flood damage is different. It runs through a separate NFIP flood policy, which does not include ALE.
Wind vs. flood: why does the distinction matter for my claim?
Standard homeowners policies cover wind damage but exclude flooding. If your damage is primarily wind (roof torn off, tree through the wall, structural damage from gusts), your homeowners ALE typically applies. If it's primarily rising water or storm surge, only a separate NFIP flood policy applies, and NFIP does not pay for temporary housing. Many hurricane claims involve both, and your adjuster decides which policy pays for housing.
How fast can an RV be delivered after a hurricane?
Delivery is about four days from approval to move-in. The main variable is scheduling the electrical contractor. We coordinate the licensed electrical contractor and the temporary power pole in parallel with delivery.
What if my property is too damaged to place an RV?
We check access and pad space first. If your lot can't fit a unit, we can often place it on a neighbor's or family member's property nearby, or at a nearby campground. Whether your policy pays for a location off your own lot is your adjuster's decision, so we confirm it with them before anything is placed.
How does payment work?
Before approval, your adjuster needs a written estimate from us. Most adjusters then pay us directly. Some pay through a housing agency, and occasionally the insurer pays you and you pay us. The nightly rate is $120 to $140 a night, tax included. Delivery and setup are priced separately for each property.
Request an on-property RV placement
We'll call to confirm coverage with your adjuster before anything moves forward.