Who Pays for Temporary Accommodation After an Insurance Claim?
Understanding how temporary accommodation is arranged and funded during an insurance claim can be confusing. This guide explains the process in practical terms.
When Temporary Accommodation Is Needed
Temporary accommodation becomes necessary when a property is uninhabitable following an insured event. Common situations include fire damage, flooding, escape of water, structural failures and building safety evacuations.
In most cases, a buildings insurance policy includes provision for alternative accommodation when the insured property cannot be lived in during repairs.
How Temporary Accommodation Is Usually Arranged
Incident Reported
The policyholder reports the incident to their insurer and a claim is opened.
Adjuster Appointed
A loss adjuster assesses the property damage and determines if temporary accommodation is needed.
Accommodation Sourced
The insurer, adjuster or specialist partner sources suitable temporary housing.
Resident Placed
The displaced resident moves into the temporary accommodation.
Repairs Completed
The policyholder returns home once the property is restored to habitable condition.
What Types of Accommodation Are Used
The type of temporary accommodation depends on the expected duration of displacement, the resident profile and what is available in the area.
- Hotels for immediate short-term needs
- Serviced apartments for families and longer stays
- Apart-hotels for medium-term displacement
- Short-term rental properties for extended repair timelines
How We Fit Into the Insurance Supply Chain
We work alongside insurers, adjusters and response teams as a specialist accommodation partner.
Incident Occurs
Fire, flood, structural damage
Insurer Notified
Claim registered and assigned
Adjuster Appointed
Loss adjuster assesses damage
Jigsaw Instructed
Accommodation sourced rapidly
Resident Placed
Safe, suitable housing secured
Need Help Arranging Temporary Accommodation?
Frequently Asked Questions
Common questions about this service.
Need Immediate Accommodation Support?
Submit a request and our team will respond within one working hour.
Need an Accommodation Partner?
Tell us about the incident, claim volume or accommodation requirement and our team will respond quickly.
Prefer to call?
Speak to Our TeamSend an Enquiry
We aim to respond within one working hour.