The Insurance Disaster Supply Chain Explained

The Insurance Response Chain

The insurance disaster supply chain follows a clear sequence: Incident occurs, Insurer notified, Loss adjuster appointed, Damage assessed, Contractors engaged for repairs, Accommodation arranged for displaced residents, Repairs completed, Residents return home. Each link in this chain involves specialist providers working in coordination.

• Incident occurs — emergency services respond
• Insurer notified — claim registered and assessed
• Loss adjuster appointed — damage evaluated
• Contractors engaged — repair works planned
• Accommodation provider engaged — residents housed
• Repairs completed — residents return home

Key Players in the Ecosystem

The insurance disaster response ecosystem includes several types of organisations. Insurers underwrite the risk and fund the response. Loss adjusting firms such as Sedgwick, Crawford & Company, and Davies Group assess claims and coordinate the response. Specialist contractors handle repairs. And accommodation providers like Jigsaw Conferences manage the temporary housing of displaced residents.

Where Accommodation Fits

Accommodation sits at a critical point in the supply chain. It is often the most time-sensitive element — residents need somewhere to stay immediately, while repairs can take weeks or months to begin. The accommodation provider must be able to respond rapidly, source suitable properties, and manage the placement for the entire duration of the claim.

Why the Chain Matters

When the supply chain works well, the policyholder experience is seamless: they are housed quickly, kept informed, and returned home as soon as repairs are complete. When links in the chain break down — perhaps due to slow sourcing, poor communication, or mismatched accommodation — the policyholder suffers and the insurer faces complaints and increased costs.

How Jigsaw Fits Into the Chain

Jigsaw Conferences operates as a specialist accommodation link in the insurance disaster supply chain. We work directly with insurers, loss adjusters and TPAs to provide managed temporary housing. Our role is to ensure that the accommodation element of any claim is handled efficiently, allowing the rest of the supply chain to focus on their specialist areas.