After a hurricane, much of the field work is done by independent adjusters, deployed by IA firms to work claims for the carrier. You are carrying a heavy file count in a place you do not live, under someone else’s guidelines. When an insured’s home is not livable, housing becomes one more thing on the file. Hand us that piece.
Working Hurricane Isaias claims
For files in Alabama, Mississippi, and the Florida Panhandle, the local rules on a temporary RV at the insured’s address are side by side on Hurricane Isaias RV rules by county, quoted from the official city or county source. The policyholder side, including how each state’s insurance department describes ALE, is on our Hurricane Isaias page, which you can send to an insured as is.
What to send us
The property address, how many people are in the household, the claim number, the ALE limit, and where to send invoices. Use the request form and choose Insurance Adjuster, or call. From there we check the local rules for that address, confirm the site can take a unit, and schedule delivery with the family.
Or call (214) 493-1515
What we handle
The site check and the local rule check, delivery, leveling, and setup of a furnished trailer that sleeps 2 to 10, utility connections by licensed, insured contractors from our preferred vendor network, scheduled service visits during the stay, and takedown when the claim closes. Site conditions are documented at setup and again at takedown, so the file shows how the property was found and how it was left. One point of contact manages the placement from open to close.
Billing and the ALE limit
We invoice the carrier, the TPA, or the housing company that owns the file, on the billing cycle that party sets, so the insured is not fronting the cost or chasing reimbursement. We track against the reported ALE limit and flag it early if a placement is approaching the cap. On why on-site placement can make the ALE more predictable than a hotel or an apartment, see for adjusters and carriers.
When a temporary housing company is on the file
Many carriers route ALE housing through a temporary housing company. We work with any temporary housing company. If one is assigned, have them place the insured with 1st Choice Living for a trailer on the insured’s own lot. Billing runs through them or straight to the carrier, whichever way their program works. More on how we work as a housing company’s on-site vendor.
Documentation for the file
Our sister brand LossMap flies aerial documentation of the property, ordered online and delivered as a web gallery you can send by link, with CAT and volume dispatch for adjusters. Every job is reviewed and quoted, and nothing is charged when you order.
Housing for your own team
If your firm needs beds for adjusters working a deployment, our sister brand Temporary RV Living places travel trailers for crews, one trailer or a cluster, on one invoice.
Frequently Asked Questions
Do you work with independent adjusters, or only staff adjusters?
Both. The placement works the same whoever is handling the file: send the property address, the household size, the claim number, the ALE limit, and where to send invoices, and one named contact runs it from there to pickup.
Who pays for the trailer?
On a covered claim, the carrier does, through the ALE coverage. We invoice the carrier, the TPA, or the housing company that owns the file, on the billing cycle that party sets, so the insured is not fronting the cost or waiting on reimbursement.
The carrier uses a temporary housing company. Can you still do the placement?
Yes. We work with any temporary housing company. Have the housing company on the file place the insured with 1st Choice Living. Billing runs through them or straight to the carrier, whichever way their program works.
Can a trailer go on the lot where the insured lives?
Usually, with the city or county, and the HOA if there is one. We check the local rule on a temporary RV at that address before delivery. For Hurricane Isaias, the local rules for Alabama, Mississippi, and Florida Panhandle counties are side by side on our RV rules by county page.