Serviced apartments · Insurance & displacement
Serviced apartments for insurance stays and displacement
When a policyholder is displaced by fire, flood or property damage, we place them into a suitable serviced apartment fast — with one point of contact for the loss adjuster, the insurer and the family.
Alternative accommodation is one of the most sensitive lines a loss adjuster manages. Get it right and the file closes cleanly; get it wrong and it drags on for months. Jigsaw specialises in exactly this: sourcing serviced apartments that match the policyholder’s pre-loss lifestyle, are close to schools, workplaces and support networks, and stay inside the policy limits.
We work across most UK insurers and loss-adjusting firms as a managed provider. Our specialists take one brief, present a shortlist inside the day where inventory allows, and handle every check-in, extension, invoicing question and welfare update. Contracted clients also have access to our out-of-hours emergency line.
Unlike a marketplace, we’re on the phone. That matters when the policyholder has just been displaced, when the loss adjuster needs a paper trail, or when the insurer needs the accommodation cost signed off before extending.
Why Jigsaw
Everything this segment needs, handled by one team.
Loss-adjuster friendly
Clear paperwork, single point of contact, itemised invoicing that maps to the claim reference and policy limits.
Move-in speed
Same-day / next-day placement where inventory allows. Contracted clients get an out-of-hours emergency line.
Right-sized apartments
Family homes, single-occupier studios or accessible units — matched to household size, pets, school runs and mobility needs.
Compliant accommodation
Every property vetted for safety, fire compliance and insurance-grade documentation before the policyholder walks in.
Welfare-aware
Vulnerability, pets, children, older adults, medical needs — we brief the operator so the arrival is calm, not clinical.
Change-friendly
Reinstatement dates slip. We extend, downsize, upsize or relocate without restarting the claim conversation.
Who we place
Segment-specific expertise, not a generic marketplace.
Trusted by housing associations, insurers, local authorities, NHS organisations, pharmaceutical companies, corporate organisations and event professionals across the UK.
- Household insurers and their claims teams
- Commercial and combined insurers with residential exposure
- Loss-adjusting firms handling alternative accommodation
- Third-party claims administrators (TPAs)
- Housing associations and local authorities with displaced tenants
- Cladding remediation programmes with resident decants
- Legal firms managing displacement cases
- Broker teams managing high-net-worth policyholders
Common questions
How fast can you place a displaced policyholder?
Same-day placement is often achievable where inventory allows. For contracted clients out of hours, our emergency line captures the brief, sources an option and confirms move-in within the same evening in typical cases.
Can invoices be issued directly to the insurer or loss adjuster?
Yes. We issue itemised, claim-referenced invoices to the insurer, TPA or loss-adjusting firm — never to the displaced policyholder — and reconcile any extensions or changes against the original brief.
What if reinstatement takes longer than expected?
Extensions are handled without restarting the file. We flag lead times, offer upgrades or downsizes if household needs change, and can relocate the family if the original apartment becomes unavailable.
Do you handle pets, mobility needs and children?
Yes. We brief operators on pets, accessibility, cots, school run distances and any medical requirement so the policyholder’s arrival is calm and dignified.
Which insurers do you work with?
We work with UK household and commercial insurers, loss-adjusting firms and TPAs on a managed-provider basis. Contact us to add Jigsaw to your approved alternative-accommodation panel.
Brief us once. We handle every detail.
First response within one working day. Free to the client. No booking fees.
Delivery, not promises
We've done exactly this — here's the case study.
How quickly can 14 displaced households be decanted after an escape of water?
Every family placed across Greater Manchester within 24 hours — with direct billing to the insurer from the first night.
“Every family was somewhere warm before we closed the file that night. The weekly cost reporting made my conversations with the insurer straightforward for the entire claim.”
The results
- households placed
- 14
- households placed
- to the first placement
- 3h 12m
- to the first placement
- until all 14 were housed
- < 24h
- until all 14 were housed