Turning Displacement into Opportunity: Navigating Insurance Claim Relocations
26th Oct 2023
Table of contents
- When the unexpected happens
- Understanding the emotional rollercoaster
- What is insurance relocation accommodation?
- The challenges of insurance claim relocations
- With challenge comes opportunity
- What’s important when it comes to temporary accommodation?
- Corporate Living Accommodation: your trusted accommodation partner
We understand that the circumstances around having to relocate from your home can be challenging, and that each of us react differently. This article discusses insurance claim relocations, a topic that involves the damage and destruction of homes. In this post, we will feature the ups and downs of insurance relocation accommodation and provide some useful insights on how to turn this experience into a positive one.
It’s important to note that the information provided in this article is general in nature and does not consider your personal situation.
When the unexpected happens…
Damage to your home, whether the result of a natural disaster or a burst water pipe, electrical fault or fallen tree, can find you needing to relocate. When you are faced with disaster, it’s really, all about safety. Keeping you, your loved ones, elderly parents, children, and even the family pet safe.
Toni Veljanovski, Global Relationship Manager at Corporate Living Accommodation (CLA) shares her experience with damage to her home as the result of a storm.
‘In my experience, my insurance company was empathetic to the situation. The caring friendly voice on the other end of the phone, and confidence in taking charge of the situation made all the difference where the safety of my family was the first concern.
‘It all happened with an unexpected heavy downpour of rain just before Melbourne Cup Day. The rain pounded on the tin roof so hard that it broke through the cement sheeted eaves. Rain was seeping through the wall cavity and into the ground floor, creating a pool of water that just kept spreading. Quick to get towels to minimise the spread, hubby was out with the phone taking video footage of the rain gushing down through the eaves!
‘Not knowing what to do next, I’d called our insurer. The safety of my family was the forefront of the conversation, ensuring electrical cables weren’t in contact with the water that was trickling by the heating panel. I have to say they were nothing but amazing, with the roof plumber, electrician, and blowers to dry our home all arriving within 1-2 hours.
‘Fortunately, I was able to stay in my family home, so whilst we weren’t displaced and the damage was repairable, many of our residents have been forced to leave, relocating because their homes have been deemed unlivable and the extent of damage is just unsafe.
‘Listening to the stories of our residents, their loss, and the challenges in working through their claim can be heartbreaking. Committed to creating a difference, our team at CLA have elevated the experience to make a difference when it comes to our residents impacted by loss, and providing support through these trying and difficult times.’ Toni says.
Understanding the emotional rollercoaster
Facing displacement from your home may evoke a whirlwind of emotions, and it can be a rollercoaster ride of uncertainty and frustration when things get tough to a state of achievement and excitement as you make progress and create certainty.
The situation you are facing can be disruptive – from your day-to-day routine to dealing with your claim and readjusting to a new familiarity.
The journey can be a long one, but it's important to focus on the positives!
What is insurance relocation accommodation?
As the name suggests, insurance relocation accommodation refers to accommodation that’s needed when your home is deemed unsafe, and your insurance policy provides the provision for alternate accommodation.
Where your insurance premium offers alternate accommodation, some insurers will provide you the option to choose between a select number of accommodation providers, whilst others may provide just one. Some insurers will take care of the cost and settle the bill for your alternate accommodation; others may reimburse you for those expenses and other covered additional living expenses (also referred to as ALE).
It’s important to keep detailed records of your expenses during this time to help with the claims process, and ensure you check with your insurance company to understand what you are covered for under your policy. Please refer to your insurance company’s PDS for more information.
You might be wondering just how long you’ll need alternative accommodation while your home is being repaired or possibly re-built. Delays are unfortunately, inevitable dependent on the availability of assessors, the extent of the damage to your home (and or the impacted area), weather conditions, availability of supplies and trades.
Regular communication with your trades, and those involved in your home repairs is important to helping navigate through the timelines and keeping up with progress, to help you plan ahead.
The challenges of insurance claim relocations
According to the Insurance Council of Australia, extreme weather events in 2022 cost Australian insurers AU$7 billion. That figure doesn’t include isolated events like a car driving into your home, a falling tree, faulty electrical wiring, infestations, or plumbing issues. Whatever the cause of damage, when your home is deemed unsafe to live in, the process of finding alternative accommodation and navigating the claims process and repairs lays a gauntlet that you have no choice but to run. Challenges you can expect to face include:
Uncertain Housing Situation
Finding a suitable place to live temporarily can be challenging. People often struggle to locate accommodation that meets their needs, preferences, and budget. Will the temporary housing be as comfortable as your permanent residence? Will it be located conveniently for work, school, or other important activities? Will the accommodation be available to extend if our return home is delayed? These questions often weigh heavily on the minds of those facing insurance claim relocations.
Adjusting to Change
The shift from the family home can leave you feeling unsettled where you find yourself needing to adapt. Whilst you may find yourself in the same suburb or perhaps a neighbouring one, you may need to get used to new surrounds, adjust daily routines, and discover new places.
The practical aspects of relocation; organising belongings, arranging transportation, and managing paperwork can be a lot. Coordinating the logistics of moving involves a series of tasks that demand time, effort, and planning. From packing belongings (if it’s safe of course) to ensuring they reach your temporary home intact, dealing with administrative requirements, and coordinating the move efficiently, each step comes with its own set of challenges.
Financial and Emotional Cost
Insurance claim relocations can strain finances. Even if your home insurance policy covers alternate accommodation and additional living expenses, the change in location and routine can put pressure on your budget. There may be an increase in the cost of commuting to work or school, and inconveniences like holding your gym membership while you attend a new one closer to your accommodation. Your insurer may only reimburse you for costs, requiring you to pay at the outset. This places strain on your finances and your emotions. You can also experience a sense of grief for the loss of sentimental items that can’t be replaced.
It’s important to remember that the feelings you encounter during these uncertain times are perfectly understandable. Lean on your support network when you need a little boost, and be sure to participate in those activities that fill your cup.
Knowledge is Power
Research and understand your rights and entitlements in insurance claim relocations. Being prepared can help alleviate anxiety and empower you to make informed decisions. Reach out to professionals who specialise in insurance claim relocations to gain insights and advice. The more you know about the process, the better you can navigate through the challenges that come your way.
With challenge comes opportunity
As the saying goes, ‘you can’t have a rainbow without a little rain.’ While insurance relocation accommodation presents its challenges, it also provides you with unexpected opportunities.
Even when you’re relocating close to home, your insurance relocation accommodation will likely have you living a suburb or two away. That means new places to discover: walking trails, cafes, shops, venues, playgrounds, gardens, and more. You might even uncover a hidden gem you return to after moving back home.
Connecting with others is a great way to help you settle into your temporary home, providing you with a sense of belonging. You never know; you may find a new walking buddy, fellow book lover, or coffee connoisseur. If your home was damaged in a large-scale natural disaster, you may even find others who have been affected, too, giving you the opportunity to support one another as you navigate the process of returning home.
You can look at this experience as an opportunity for a fresh start. Explore your new surrounds, engage with the community, and discover local treasures that can make this journey transformative and enriching. Embrace the chance to reinvent your routine, discover new hobbies, and make new connections. Every change presents an opportunity, and by approaching this relocation with an open mind, you can turn it into a stepping stone for a brighter future.
What’s important when it comes to temporary accommodation?
A Sense of Home
Feeling at home while staying away from your permanent residence is crucial during insurance claim relocations. Taking key sentimental items, if it's safe to do so, can help recreate that sense of comfort and familiarity. Whether it's a favourite blanket, family photos, or a treasured memento, having pieces of home with you can make a significant difference in how you settle into your temporary abode. Creating a space that reflects your personality and preferences, even temporarily, can help ease the emotional strain.
You don’t want to be eating your morning cereal out of a coffee cup or tripping over your open suitcase on the floor; look for accommodation that allows you to live like you do at home. You want all the essential kitchen appliances, like a cooktop and rangehood, an oven, microwave, kettle, toaster, full-sized refrigerator, and a dishwasher. But don’t stop there; we recommend looking for a flexible accommodation provider that tailors your residence to your needs. Maybe you want a coffee machine for your morning latte or a slow cooker to make weekday dinners easy. Whatever makes you feel at home, you should be able to have that! Plus, ensure your accommodation provides in-home laundry facilities or at the very minimum, an on-site laundry. No trips to the laundromat for you, and ample storage for you to pack your items away during your stay is also a must.
We’re talking more than a strong Wi-Fi connection, that’s essential, of course! But, being connected during this period can have numerous benefits. It can alleviate feelings of isolation and loneliness, providing a sense of belonging and purpose. Your support network can offer practical advice, share experiences, and suggest local resources that can be immensely helpful. Look for an accommodation provider who is a key part of your support team. Also, exploring your new neighbourhood and connecting with its offerings, like local services, cultural events, or recreational activities, can help you feel more at home and create a sense of routine and normalcy.
Work with your insurance company to find accommodation that’s in a convenient location for you. Daily life is a lot easier to navigate when you’re close to essential amenities like supermarkets, cafes, restaurants, retail precincts, schools, libraries, etc. Look for accommodation that gives you easy access to work, public transportation, loved ones, and if you have children, convenience to childcare, school, and their after school and weekend recreation activities. While we’re talking about recreation, be sure to look after your needs, too! If it’s important to you, like regular gym sessions or a scenic walking trail, factor that into your decision-making.
Focus on Self-Care
Prioritise self-care to manage stress and emotional upheaval. Engage in activities that bring you joy, connect with support networks, and consider seeking professional help if needed. Self-care isn't just about physical well-being; it encompasses emotional, mental, and social aspects too. Taking care of yourself during this challenging time can make a significant difference in how you perceive and deal with the situation.
Good Old-Fashioned Hospitality
Look for accommodation providers that go well beyond a smile at check-in and a wave as you check out. Look for temporary accommodation that offers you personalised service and a tailored approach to your accommodation. You are uniquely you, and your situation is unique to you, too. Look for a provider that understands that and has experience in looking after insurance relocation accommodation. They should work with you as a crucial member of your support team, helping you through this experience. They should be welcoming of you and your loved ones, even your beloved pets!
Corporate Living Accommodation: your trusted accommodation partner
We get it. Leaving your cherished home is tough. Our experience with displaced individuals and families shows us that temporarily relocating to alternate accommodation is disruptive, emotionally draining, and throws a lot of unexpected challenges your way. Our experience in emergency relocation accommodation allows us to truly understand the unique needs of people displaced from their permanent homes.
Corporate Living Accommodation approaches accommodation differently. We go well beyond a warm, dry, and safe place to stay; we welcome you home to a space that has been thoughtfully personalised to your needs, and that not only connects you to your neighbourhood but becomes an important part of your “village”. We elevate our services well above expectations by finding out what makes you feel at home and making that a part of your accommodation. By tailoring your residence to your needs, we aim to have you feeling at home for as long as you’re away from your permanent one.
Our residences offer all the amenities you’re familiar with at home:
- Our kitchens have ample bench space to prepare meals and feature appliances like an oven, cooktop, range, microwave, dishwasher, and full-sized refrigerator.
- In-home laundry facilities feature in our three, two and one-bedroom residences, including a washer and dryer, clothes airer, ironing board, and iron. Residents living in our studios have easy access to our on-site laundry facilities.
- Our bedrooms present a private place to retreat at the end of the day and offer convenient storage solutions so you’re not living out of a suitcase. You can hang up your clothes and pop things away in drawers. If you need extra hangers, ask us, and we’ll have them to you quicker than you can say “wrinkle”!
- Ensuites and main bathrooms in our residences feature vanities with plenty of storage and bench space, allowing you to unpack and feel at home.
- Secure on-site car parking is available, so you don’t have to worry about your car out on the street.
- Weekly housekeeping service keeps your residence clean and removes the need to wash your bed linen and towels. No more housework for you!
- On-site maintenance support means you’re not left wondering if a problem will be fixed. Our team will attend to any issues quickly and solve the problem with as little disruption to you as possible.
- Convenient pantry service means you don’t need to worry about your groceries, we’ll take care of your shopping for you. If you prefer to do your own shopping online and have it delivered, our team will ensure it’s on your doorstep quickly, and if you’re not home, we’ll bring your groceries into your residence and put away your perishables for you.
- A dedicated work desk allows you to set up your home office comfortably without needing to use the dining table or kitchen bench. Like the rest of your residence, this space can be tailored to your specific needs, including ergonomic setups.
We keep you connected to work, your loved ones, and your favourite online downtime activities with high-speed business-grade Wi-Fi. You can stream your shows on your television and bust a move to tunes played on your sound system.
To us, a connection is more than a Wi-Fi signal; it’s about leaving you feeling supported, valued, and part of a thriving community. We host monthly events designed to engage you with our team and your fellow residents. Our residents love these events and tell us it leaves them feeling like they’re part of a village. We also love connecting our residents with our local community, recommending businesses to fulfil your needs, amenities that complement your stay, and local eateries and entertainment venues for your leisure time. Our team members are always ready to share their local knowledge and aren’t shy when it comes to recommending their favourite places.
At Corporate Living Accommodation, we understand the emotional and logistical challenges that come with insurance claim relocations. Our aim is to be your reliable partner during this transition, offering comfort, convenience, and a sense of belonging. Remember, even amidst uncertainties, you have the power to turn this experience into a positive and transformative chapter in your life, and we look forward to helping you achieve that.
Discover our residences to see which Corporate Living Accommodation location suits your needs.
Contact our team to learn more about how we can support you with emergency insurance relocation accommodation.