When a claim includes a housing need, every extra vendor call and every day in a hotel adds cost and friction to the file. 1st Choice Living gives adjusters and carriers a single point of contact for onsite RV housing — placed directly on the policyholder’s own property — with direct billing, claims-ready ALE documentation, and a process built around how claims actually move from first notice of loss to file close.
Why Onsite Placement Changes the ALE Math
Hotel and apartment placement runs on daily or monthly rates that climb the longer a rebuild takes, and every relocation resets a policyholder’s patience. Placing a unit directly on the insured’s property removes the search-and-lease cycle entirely — no vacancy delays, no lease negotiations, no moving a family twice. That translates to a more predictable ALE spend and a policyholder who isn’t uprooted a second time. See how onsite placement worksfrom the policyholder’s side.
How the Vendor Relationship Works
From first notice of loss, we work directly with the assigned adjuster or your internal housing coordinator to confirm eligibility, property conditions, and unit specs. We handle delivery, setup, and ongoing maintenance for the duration of the placement — with utility connections completed by licensed, insured contractors from our preferred vendor network — and manage removal when the claim closes. Site conditions are documented at both setup and takedown, so the file shows exactly how the property was found and how it was left. One point of contact manages the file from open to close — you’re not chasing multiple vendors for housing, furnishings, and documentation separately.
Documentation Built for the Claims File
Every placement can be paired with LossMap aerial and photo documentation — useful for verifying property conditions before and after placement, tracking rebuild progress, and supporting the claims file without a separate vendor relationship. Housing, housewares, and documentation come from one partner instead of three.
Direct Billing & Policy Limit Awareness
We bill carriers, corporations, and TPAs directly so policyholders aren’t fronting costs and chasing reimbursement. We track against reported ALE limits and flag it early if a placement is approaching a policy’s cap, so there are no surprises on either side.
Become a Preferred Vendor
If your agency or carrier works with a preferred vendor list or a managed program, we can integrate with your existing intake and reporting requirements.
Frequently Asked Questions
What is Fair Rental Value (FRV) and how does onsite housing affect it?
Fair Rental Value is the estimated cost to house a policyholder for the length of their claim. Because onsite RV placement skips the search-and-lease process off-site housing requires, it often produces a more predictable — and sometimes lower — FRV estimate than hotel or apartment placement.
How does direct billing work for insurance carriers?
We invoice the carrier, corporation, or TPA directly according to your preferred billing cycle, so the policyholder never pays out of pocket or waits on reimbursement. We can work within your existing claims-payment workflow.
Can 1st Choice Living integrate with our preferred vendor program?
Yes — we regularly work within carriers' and agencies' existing vendor programs and reporting requirements. Reach out and we'll walk through what your program needs.