Temporary housing after a hurricane: RV inventory within reach, deductibles, and the 60-day claim window

Key facts

• Units located per state on one national fleet: Florida 123, North Carolina 71, Texas 54, Alabama 45, South Carolina 41, Georgia 22, Louisiana 7 (measured 2026-09-18).
• 89.4 percent of units deliver; median stated radius 200 miles.
• Florida: insurers must pay or deny a property claim within 60 days of notice (Department of Financial Services).
• Flood damage sits on a flood policy that pays no living expenses; an ALE claim after wind and water rests on the wind.

How much RV inventory can reach you?

Count by distance from your address. Nine in ten units deliver with a median stated radius of 200 miles. The units located in each Gulf and Atlantic state are in the key facts above, and the full by-state table is on RV temporary housing.

What changes what is payable?

Named-storm and hurricane deductibles change how much of the property claim you pay. They do not change whether the home is unlivable, which is the ALE question. Flood damage sits on a flood policy that pays no living expenses; where wind opened the home and water followed, the ALE claim rests on the wind. Read what a flood policy does and does not pay for if water entered from outside.

Why does the advance request go out in week one?

Florida gives insurers 60 days to pay or deny a property claim. The first month's housing is due before that. An itemized advance request sent separately keeps housing money from waiting on the roof decision. The wording is on ALE advance payments.

State desks

Florida, Texas, Louisiana, North Carolina, Georgia, South Carolina and Alabama.

Questions people ask

There are no RVs in my county. What now?

Count by distance, not county. Nine in ten units deliver with a median radius of 200 miles, so a household in Baton Rouge is within reach of Texas and Alabama bases as well as the seven units in Louisiana.

Does my hurricane deductible change my ALE?

No. Named-storm and hurricane deductibles change how much of the property claim you pay. ALE turns on whether the home is unlivable from a covered peril.

Why send the advance request separately?

Because the property claim has its own decision window, 60 days in Florida, and the first month's housing is due before it. An itemized advance request in week one keeps housing money from waiting on the roof decision.

Wind opened the roof and water came in. Which policy pays for housing?

The homeowners policy, on the wind damage. The flood policy pays nothing toward living expenses. Document the wind damage first.

What to do next

1. Send the itemized ALE advance request in week one, separately from the property claim.
2. Search for units by distance from your address, not by state.
3. Measure the pad and quote the receptacle before calling an operator.
4. If water entered from outside, read what a flood policy does and does not pay for.

Contact us

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.