Insurance Claims

When you’re responsible for providing insurance housing for families that have been displaced by disaster, it doesn’t hurt to have an industry leader in temporary housing solutions on your team. AR National provides rapid access to fully furnished, move-in ready apartments 

Our dedicated housing specialists provide your clients with turnkey service throughout the emergency relocation process. We locate and secure temporary housing, prepare the residence for move-in, and manage their stay from beginning to end.

How Insurance Works with Temporary Corporate Housing
In most cases, your insurance covers corporate housing in much the same way the policy would handle a hotel stay. This typically happens in one of three ways:

Your insurance company handles the arrangements with the housing provider directly. This option is the easiest because you just get to move in without worrying about up-front costs. If your policy works this way, you may need to advise the insurance company of your wish to stay in corporate housing so they don’t put you in a hotel by default.

You file a claim and the insurance company reimburses you. This option requires you to pay upfront for your housing, but you get it back eventually.

Other Important Tips
A couple of other things you need to be aware of when looking at temporary housing after a disaster:

Corporate housing may not be covered in the event of flood. Most homeowner’s and renter’s policies don’t cover floods. If you live in a flood-prone area, you may be required to carry separate flood insurance FEMA’s National Flood Insurance Program (NFIP), but this provision also doesn’t cover additional living expenses like temporary housing. If you’ve been displaced by flood, contact FEMA to find out your best options.

Find out how much money your policy allows for additional living expenses or loss of use, and find out whether the insurance company prefers to handle the arrangements or reimburse you. That way, you’ll be prepared for what happens with fewer surprises in the event of a disaster.

Settling a family displaced from their home means more than finding a place to live. It involves personalized attention from the first notice of loss to the immediate search for suitable temporary housing. Whatever the residential need, our team quickly steps into action to locate and capture the best possible housing solution.