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A travel trailer being towed down the highway on its way to a delivery
Insurance Claims

Insurance Is Paying for a Trailer.
Here Is How to Set It Up.

A storm, a fire, a flood, or a tree through the roof made the house unsafe, and your adjuster says the policy will pay for a place to live. If you want that place to be a travel trailer in your own driveway, you can request one yourself.

Tell us your carrier and claim number, get the written quote approved by your adjuster before delivery, and when the carrier approves the trailer, we can bill it directly.

Have these ready

The request form asks for most of this. Having it in hand makes the callback short.

  • Your insurance carrier and claim number. The form has a place for both.
  • Your adjuster’s name, phone, and email. Add the housing company’s contact too if one is handling your file. One of them gets the quote.
  • The street address where the trailer goes. Usually the damaged house itself.
  • Who is staying. Adults, kids, and pets, so the size fits everyone.
  • Where the city, the county, and your HOA stand. Whether a trailer may be lived in on the lot during the repair. See a trailer on your property while you rebuild.

How it goes when you set it up yourself

  1. Ask your adjuster first. Is a trailer on your property covered, for how long, and will the carrier pay us directly?
  2. Request the trailer. On the request form, choose “This is for me or my family” and fill in your carrier and claim number.
  3. Get the written quote. A rep calls you back, confirms the site and the size, and sends a written quote, no obligation.
  4. Send the quote to your adjuster, or to the housing company handling your file. Ask for the approval in writing, and let your rep know once you have it. Whoever referred you can also work with us directly.
  5. Delivery day. The driver walks the site with you, then the trailer is positioned, leveled, blocked, connected, and checked before the driver leaves. Water, sewer or septic, and power are connected by licensed, insured contractors from our preferred vendor network.
  6. Living in it. Scheduled service visits run for the whole stay. If something stops working in between, open a request on the support page.
  7. Moving home. When the house is ready, we pick the trailer up. Site conditions are documented at setup and again at takedown.

Settle these with your adjuster before delivery

The trailer is ours to deliver. What the policy pays for is your adjuster’s call. Get these answered first, and write the answers down.

  • Is a travel trailer on my own property approved for this claim?
  • Will the carrier pay the rental company directly?
  • If a housing company is handling my housing, can it arrange the trailer with Temporary RV Living?
  • How long is the trailer approved for, and how do we extend it if the repair runs long?
  • Who at the carrier should the rental company send billing to?
  • Is delivery and setup part of what is approved, along with the stay?
  • If you are reassigned, who becomes my contact?

Know who owns the trailer you are living in

Not every trailer for rent is meant to be lived in for months, and not every company renting one owns it.

  • Camping rentals. Plenty of rental outfits are built around vacations and weekend trips, and a long-term placement is a side job for them. A trailer set up for a few nights at a campground is a different thing from one set up for daily life during a rebuild.
  • Peer-to-peer trailers. Some trailers are listed by private owners who still owe on them. If the owner stops paying, the lender can take the trailer back while you are sleeping in it.
  • Loans written for personal use. Many RV loans only allow recreational use. A lender that learns the trailer is rented out as someone’s housing can call that a breach and repossess it.

Living in a trailer while the house is rebuilt is what we do. We do not rent for vacations or weekends. Every Temporary RV Living trailer is company owned and set up for full-time living. We deliver it, have it connected by licensed, insured contractors, and service it for the whole stay.

Who we bill

We bill the insurance carrier, the TPA, or the housing company that owns the file, not the family living in the trailer. Ask your adjuster to approve direct billing before delivery day.

On the callback, tell your rep who handles billing on the claim, so the paperwork goes to the right desk from the start.

A trailer that fits the whole household

Count everyone who will sleep in it, and the pets. The form asks who is staying, and the rep confirms the size on the callback. To compare the floor plans first, see sizes and floor plans, and for what is inside when you move in, see what comes with the trailer.

Frequently asked questions

Can I rent a travel trailer myself if my insurance is paying for housing?

Yes. Use the request form, pick "This is for me or my family," and add your insurance carrier and claim number. A rep calls you back, confirms the site and the size, and sends a written quote you can give your adjuster.

Do I need my adjuster to approve the trailer first?

Yes, get the approval before delivery. Send your adjuster the written quote, ask whether a trailer on your property is covered, and keep the answer in writing.

Who do you bill when insurance is paying?

The insurance carrier, the TPA, or the housing company that owns the file, once it approves the trailer. The family living in it is not fronting the cost.

Who owns the trailer I would be renting?

Temporary RV Living does. Every trailer is company owned and set up for full-time living, not borrowed from a private owner. That matters because a privately owned trailer with a loan on it can be repossessed by the lender, even while someone is living in it.

Can the trailer go on my property while the house is repaired?

Usually, with permission from your city or county, and from your HOA if you have one. Get every yes before delivery day. Our page on a trailer on your property while you rebuild explains who decides.

What happens if the repairs take longer than planned?

Tell your adjuster as soon as the contractor’s schedule moves, because both the approval and the policy limit have an end. For anything with the trailer itself during the stay, use our support page.

How the coverage itself works

Additional Living Expenses, the policy limit, what to ask when a tree came through the house, and where to turn if the claim gets hard are all explained by our parent brand on arranging your own temporary housing, from 1st Choice Living. The trailer, delivery, and service are ours.

Insurance is covering it. Tell us where it goes.

Answer a few questions. A rep calls you back with a written quote for your adjuster.