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by Jigsaw Conferences Ltd
Insurance Guide

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.

Practical guidanceClear process explanationFor homeowners and professionals

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.

1

Incident Occurs

Fire, flood, structural damage

2

Insurer Notified

Claim registered and assigned

3

Adjuster Appointed

Loss adjuster assesses damage

4

Jigsaw Instructed

Accommodation sourced rapidly

5

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.

Report an Incident

Need an Accommodation Partner?

Tell us about the incident, claim volume or accommodation requirement and our team will respond quickly.

Rapid response for emergency placements
Managed service for planned decant programmes
Support for vulnerable residents and families
Consolidated reporting and invoicing
Nationwide accommodation network

Prefer to call?

Speak to Our Team

Send an Enquiry

We aim to respond within one working hour.