Temporary housing for adjusters: RV comparable housing standards and the documentation that closes the file
For adjusters, TPAs and public adjusters: the measured habitability of a national RV rental fleet, the documentation standard the statutes set, and the monthly packet format that closes an ALE approval on receipt.
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Key facts
- 91 percent of units have electric, water and sewer hookups; 96 percent have air conditioning and a heater (measured 2026-09-18).
- Median unit sleeps six; 69 percent sleep six or more.
- 5 percent have a washer and dryer; laundry is a listed ALE increase (Washington OIC).
- Colorado requires loss of use paid within 20 days of documentation, and a signed lease counts (HB22-1111).
- We do not advertise preferred-vendor status with any TPA or carrier unless a written agreement exists.
What does the fleet look like?
Measured 2026-09-18 from the public listing feed of one national RV rental fleet. Platform list prices, not negotiated claim rates. No availability calendar is exposed.
| Measure | Share or value |
|---|---|
| Electric, water and sewer hookups | 91.1% |
| Air conditioning and heater | 95.9% |
| Median sleeps | 6 |
| Sleep six or more | 68.7% |
| Median length | 32 ft |
| 30-amp service, of units reporting | 58.7% |
| Pet friendly | 63.2% |
| Washer and dryer on board | 5.7% |
| Generator | 23.6% |
| Offers delivery | 89.4% |
What makes an RV comparable housing?
- Sleeping capacity at or above the household. The median unit sleeps six.
- Climate control for the season, met by 96 percent of the fleet.
- Kitchen and bathroom on board, met wherever full hookups are present.
- Proximity to the home, school and contractor.
- A lot that passes the checks on the RV lot feasibility checklist.
What documentation closes the file?
The monthly ALE packet: a cover page with running totals against both caps, receipts in a fixed category order, and market screenshots supporting the comparable rate. Treat a signed placement agreement the way Colorado's statute treats a lease.
Vendor status
We do not advertise preferred-vendor status with any TPA or carrier unless a written agreement exists. Referrals go through Get connected, which captures the claim number and adjuster name with the insured's consent.
Questions people ask
- What makes an RV comparable housing?
- Sleeping capacity at or above the household, climate control for the season, a kitchen and bathroom on board, proximity to the home and school, and a lot or pad that passes the power, wastewater and setback checks.
- What documentation should I ask the insured for?
- The monthly packet in the regulator's order: cover page with running totals against both caps, a baseline of normal costs, receipts by category, and market screenshots supporting the comparable rate. A signed placement agreement stands in for a lease.
- Why budget laundry separately?
- Because 95 percent of units do not carry a washer and dryer, so a laundromat line appears every month of a placement. Approving it at week one avoids disputing it at month three.
- Are the fleet figures a count of available units?
- No. They are platform listing counts measured on a stated date. No availability calendar is exposed, and prices are list prices, not negotiated claim rates.
What to do next
- Send the insured to Get connected with the claim and adjuster fields filled; consent to routing is on the form.
- Ask for the monthly ALE packet in the published order.
- Approve the unit on hookups, climate control and capacity; add laundry as a recurring line.
- Treat the signed placement agreement as the documentation that starts payment.
How we know
Each finding below names its source, what we did to it, what it means for you and what it costs to ignore. Figures marked measured decay and are re-measured before they are 60 days old.
Reviewed by TempHome Finder editorial. Published 2026-09-06. Updated 2026-09-07.
Sources
- Outdoorsy public search feed, one national RV rental fleet (699 active units, measured 2026-09-18) (accessed 2026-09-18)
- Washington OIC, Additional living expenses coverage (accessed 2026-09-06)
- Colorado HB22-1111, C.R.S. 10-4-110.8 (accessed 2026-09-06)
- California Insurance Code §2060 (accessed 2026-09-06)
- Oregon HB 3272 (2021), ORS chapter 742 (accessed 2026-09-06)
- Insurance Information Institute, what is covered by a standard homeowners policy (accessed 2026-09-06)
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