Alternative Accommodation for Insurance Claims
Fast, furnished temporary homes for policyholders displaced by fire, flood, escape of water, subsidence or major repairs.
Also known as temporary accommodation, loss-of-use accommodation or displaced-tenant housing.
When a home is uninhabitable, Overnightly can source a furnished house, flat or apartment nearby across 175+ UK cities, with all bills included, one consolidated invoice and a single point of contact from enquiry to checkout.
What Is Alternative Accommodation?
Alternative accommodation is a temporary home for a household whose property has become uninhabitable after an insured event, while that property is repaired and reinstated. It is often referred to as temporary accommodation, loss-of-use accommodation, or displaced-tenant housing.
Rather than a hotel room, it is a furnished house, flat or apartment a family can actually live in — with beds, a kitchen and broadband ready to use — kept close to schools, work and family wherever possible so daily life can carry on.
Overnightly can source this accommodation across the UK, matched to the household and to the repair timeline, with all bills included on one consolidated invoice and a single point of contact handling the stay.
What we can provide
- Furnished houses, flats and apartments across 175+ UK cities
- Stays for weeks or months, matched to the repair timeline
- All bills included — gas, electric, water and broadband
- One consolidated invoice per stay
- A single point of contact from enquiry to checkout
- Trade accounts for repeat claims instructions
When a Home Becomes Uninhabitable
Different perils displace a household in different ways. Here are the claim scenarios we can source accommodation for.
Fire damage
When smoke or fire makes a home unsafe to live in, the policyholder often needs to move out the same day. We can source a furnished home nearby while the property is cleaned, dried and rebuilt.
Flood
Storm and flood damage can leave whole floors unusable for months. We can place a family in a furnished house or flat close to their community while the property dries out and is reinstated.
Escape of water
A burst pipe or leak is one of the most common reasons a home becomes uninhabitable. We can arrange short or longer furnished stays that flex around strip-out and drying times.
Subsidence
Subsidence works run on long, uncertain timelines. We can provide flexible furnished accommodation that extends month to month as monitoring and underpinning progress.
Major repairs & reinstatement
Any major repair programme that displaces the household — structural work, mould remediation, full refurbishment — can be matched with a furnished home for the duration.
Uninhabitable for any insured peril
Whatever the cause on the claim, if the home is no longer safe to occupy we can source suitable temporary accommodation across 175+ UK cities and towns.
Who We Help with Claims Accommodation
We support everyone involved in rehousing a displaced household — from the people managing the claim to the family that has to move out.
Loss adjusters
Hand us the scenario and the postcode. We source furnished options, handle the logistics and bill everything through one consolidated invoice, so the accommodation line of the claim is one phone call, not a project.
Claims handlers & teams
We manage the enquiry end to end so your team can focus on the claim. One point of contact from first call through to checkout, with flexible stays that track the repair timeline.
Insurers
Furnished homes across the UK with all bills included and a single invoice per stay. Trade accounts are available for repeat instructions.
Restoration & repair networks
When a property goes into your programme, we can house the occupants close by while you work, and extend the stay if the schedule moves.
Displaced policyholders
A real home to live in while yours is repaired — furnished, with the kettle, the beds and the broadband already sorted, and kept close to schools, work and family wherever we can.
What We Bring to a Claim
Rehousing a household quickly, simply and close to home — with the paperwork kept to a single invoice and a single contact.
Fast UK-wide sourcing
We source furnished homes across 175+ UK cities and towns and move quickly when a household needs to leave, so the policyholder isn't left in limbo.
Furnished & ready
Houses, flats and apartments that are furnished and ready to live in — beds, kitchen, broadband — so the family can settle in straight away.
Flexible stays
Stays for weeks or months that flex around the repair timeline, with extensions when the schedule moves rather than rigid fixed terms.
Near schools, work & family
Wherever possible we keep policyholders close to schools, work and family so daily life carries on while the home is put right.
All bills included
Gas, electric, water and broadband are included in the stay, so there are no separate utility accounts to set up or settle.
Consolidated billing
One consolidated invoice per stay covering the home and the bills, instead of a stack of receipts to reconcile against the claim.
One point of contact
A single point of contact manages the enquiry from first call through to checkout — sourcing, move-in, extensions and the bill.
Trade accounts available
Trade accounts are available for loss adjusters, claims teams, insurers and restoration networks placing repeat instructions.
A Simple Process from Enquiry to Checkout
One contact manages the whole stay. Here is how we move from the first call to keys in hand.
Tell us the claim scenario
Share the peril (fire, flood, escape of water, subsidence or major repairs), the property postcode and how many people need rehousing.
We source furnished options
We search across 175+ UK cities for furnished homes near the property, matched to household size and kept close to schools, work and family where we can.
Match the stay to the repair timeline
We agree the dates around the expected reinstatement programme, with the flexibility to extend month to month if the works run on.
Move the household in
The home is furnished and ready with all bills included, so the policyholder can move straight in with minimal disruption.
One contact, one consolidated invoice
A single point of contact manages the stay through to checkout, and the home and bills are billed on one consolidated invoice.
Need an idea of cost against a hotel for a long stay? Try our savings calculator.
Insurance Accommodation FAQ
Alternative accommodation is a temporary home for policyholders whose property is uninhabitable while it is repaired after an insured event such as fire, flood, escape of water, subsidence or major repairs. It is also called temporary accommodation, displaced-tenant housing, or loss-of-use accommodation. Overnightly can provide furnished houses, flats and apartments with all bills included for the duration of the claim.
We can source accommodation for any scenario where the home becomes uninhabitable, including fire damage, flood, escape of water (burst pipes and leaks), subsidence works and major repairs or reinstatement programmes. Tell us the peril and the postcode and we can source suitable furnished options nearby.
We can source furnished homes across 175+ UK cities and move quickly when a household needs to leave the property. Call 0115 718 1937 or email stay@overnightly.com with the postcode and household size and we will start sourcing options straight away.
Yes. We can take an instruction from loss adjusters, claims handlers, insurers and restoration networks, and manage the accommodation from enquiry through to checkout via one point of contact. Trade accounts are available for repeat instructions.
Yes. We provide furnished houses, flats and apartments that are ready to live in, with beds, a fully equipped kitchen and broadband, so the displaced household can settle in straight away.
Stays include all utility bills — gas, electric and water — plus broadband, with the home furnished and ready. Everything is covered on one consolidated invoice per stay so there are no separate utility accounts to set up.
Stays can run for weeks or months and flex around the repair timeline. Because claim and reinstatement schedules often move, we build in flexibility to extend rather than tie the household to a rigid fixed term.
Wherever possible, yes. We aim to source accommodation near the original property so policyholders can stay close to schools, work and family and keep daily routines intact while their home is repaired.
We issue one consolidated invoice per stay covering both the accommodation and the included bills, which keeps the accommodation line of the claim simple to reconcile. Trade accounts are available for loss adjusters, claims teams and insurers placing repeat instructions.
Overnightly covers 175+ UK cities and towns, including London, Manchester, Birmingham, Leeds, Bristol, Glasgow, Edinburgh, Newcastle, Sheffield, Nottingham, Cardiff and Liverpool. For properties between cities or in rural locations, send the postcode and we will source the nearest suitable options.
Claims Accommodation by Location
We can source furnished homes for displaced policyholders across 175+ UK cities and towns. A few of our strongest areas:
Related pages
Need to Rehouse a Policyholder?
Tell us the claim scenario, the property postcode and how many people need rehousing. We'll start sourcing furnished options straight away.