Hurricane Damage · Insurance Housing
Temporary RV Housing After Hurricane Damage — Delivered to Your Property
Stay on-site while your home is repaired. We deliver, level, and hook up an RV on your property — power, water, sewer — as fast as 48 hours, and bill your insurance carrier directly in most wind-damage claims.
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, power (via a temporary pole and licensed electrician), water, and sewer. We confirm coverage with your adjuster first, and in most cases bill the carrier directly so you have nothing out of pocket for the housing itself. See what this arrangement looks like.
Wind vs. flood — the distinction that decides your ALE
Standard homeowners policies cover wind damage. They exclude flooding. That single distinction determines whether your temporary housing is paid for automatically or not at all — and hurricanes routinely produce both.
Wind damage (roof loss, tree strikes, structural damage from gusts) is covered by your homeowners policy, and Loss of Use / ALE will pay for temporary housing while repairs happen. That's what we bill against.
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 at all. Many hurricane claims involve both types of damage; your adjuster's determination decides which pot pays for temporary housing.
If you're not sure which category applies to your claim, call us — we work through this with adjusters constantly and can help you understand what's covered before you commit to any housing arrangement. Full explanation of insurance-covered RV housing.
The 4-step process
Call us
24/7 line. We take basic details about your claim and your property.
Coverage confirmed with your adjuster
We contact your carrier, confirm ALE applies, and align on placement and setup costs.
Delivery & setup
As fast as 48 hours. We deliver, level, and coordinate a licensed electrician for the temporary power pole.
Live on your property
You stay on-site during repairs. We handle ongoing support and direct billing.
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 via licensed electrician
- Water and sewer connection (septic tie-in, cleanout, or holding tank service)
- Permits when required
- Winterization when needed
- Walkthrough at handover and ongoing support
- Direct insurance billing after adjuster approval
Pets welcome, no restrictions. See nightly pricing for a breakdown of what carriers typically approve.
48-hour delivery in most areas
Once your adjuster signs off, we're typically on-site within 48 hours across the lower 48. Electrical hookup is usually the gating factor — 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
No active storm response pages right now. If your home was damaged in a recent storm, call our 24/7 line at (614) 655-4286.
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; the adjuster's determination decides which pot pays for housing.
How fast can an RV be delivered after a hurricane?
As fast as 48 hours in most areas once your adjuster approves coverage. Electrical hookup is usually the gating factor — we coordinate a licensed electrician and temporary power pole in parallel with delivery.
What if my property is too damaged to place an RV?
We evaluate access and pad space first. If your lot genuinely can't fit a unit, we can often place it on a neighbor's or family member's nearby property, or arrange a nearby campground — which insurance ALE typically still covers.
Do I have to pay out of pocket?
In most cases, no. We bill the insurance carrier directly after adjuster approval, and confirm your coverage before you commit to anything.
Request an on-property RV placement
We'll call to confirm coverage with your adjuster before anything moves forward.