Insurance & ALE coverage
Does Homeowners Insurance Cover an RV After a Fire or Flood?
In many cases, yes. If your home is unlivable because of a covered event like a fire, flood, or storm, most homeowners policies include Additional Living Expenses (ALE) coverage — sometimes called Loss of Use. ALE is meant to pay for temporary housing while your home is repaired, and a temporary RV placed on your own property can qualify. We always confirm your specific coverage before anything else. We work closely with all major carriers, have deep hands-on experience navigating the claims process, and for most homeowners there's no out-of-pocket cost — we coordinate everything with your adjuster or housing agency, and where there are upfront costs, we front them and seek reimbursement directly.
How the process actually works
We confirm your coverage first
Claim active, ALE usable for an RV. No surprises later.
We assess your property
Safe access and enough room. If it can't fit an RV, in most cases insurance will cover a nearby campground instead, and we help arrange it.
We match you to the right RV
From compact units that maximize living space up to large floorplans that sleep six to eight. We walk you through photos and floorplans.
We handle zoning and permits
Some municipalities restrict living in an RV, but for displaced homeowners there's almost always a waiver or approved path, and we secure it. A typical RV rental shop won't — they drop off a unit, hand you a contract, and if the township objects, that's your problem. With us, it's ours.
We set up power, water, and sewer
Your property needs a 50-amp receptacle (we coordinate a licensed electrician); after a fire, power is often off, so we work with the power company on a temporary pole; sewer ties into septic or cleanout where possible, or serviced holding tanks. All coordinated with your adjuster and billed appropriately.
We bill insurance and support you throughout
Coordinating directly with your adjuster or housing agency. We're approved to work with all major carriers and are preferred providers for most temporary housing agencies in the country.
What if my adjuster is hesitant about an RV?
It comes up, and it's usually a knowledge gap, not a real denial. Many homeowners — and some adjusters — don't realize an RV on your own property is a legitimate, often more cost-effective ALE option than a months-long hotel or rental home. Because we deal with adjusters every day, we know how to document and present it. Talk to us before assuming it's a no.
A note on how billing works with housing agencies
Sometimes a homeowner finds and chooses us first, and then their insurance assigns a temporary housing agency to manage the claim. When that happens, the agency simply takes over the billing — you keep the RV and the setup you already chose, and we coordinate the handoff. Nothing changes for you on the ground.
Every situation is different, and coverage depends on your specific policy. The fastest way to know what's covered is to call us — we'll confirm it with you. Available 24/7: (614) 655-4286.
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