Natural disasters and calamities such as earthquake, floods, typhoon, volcanic eruption, tsunami, hurricane, etc. can’t be predicted nor avoided. What is worse, they can heavily damage or totally wipeout and/or destroy properties, such as homes, offices, or properties. When your home or office is affected by these disasters, you have no choice but to relocate to another place where it’s much safer and more comfortable while letting the disaster pass.
Emergency relocation is a service offered by property or accommodation agencies or relocation companies for policy holders in the event of an emergency caused by the unforeseen events or disasters like the ones mentioned above. A property services or accommodation services company or agency – those that somehow offer short term rentals – offers this kind of service to help insurers and loss adjusters lessen the cost and lighten the difficulties and challenges in looking for an emergency relocation for the policyholders.
Who is entitled to emergency relocation?
Not everyone is entitled to emergency relocation services. Only those who are insured are entitled to this kind of service. In other words, you need to be a policy holder in order to claim or even expect this service. Relocation property agencies or companies offer emergency relocation services to insurers and loss adjusters as a consequence of a traumatic event that requires the immediate relocation of policy holders. They help move policy holders to a temporary location while repairs or renovations are carried out to their homes or to their property.
How emergency relocation works?
Insurers or loss adjusters give instructions to the agencies or companies to look for an alternative accommodation when a policy holder cannot live or stay in his or her home or property due to the damages brought about by an unpredicted disaster.
Building companies, property management companies, housing associations, and property warranty providers may also give direct instructions to the property or accommodation agencies or companies to help their residents or occupants relocate after an unanticipated catastrophe or when planning out renovations or repairs in advance.
A policy holder can also directly enlist the help of agencies or companies in looking for an emergency accommodation if they find themselves in peril while making a claim on his or her home insurance or on his or her landlord’s insurance. They will book a hotel where the policy holder can stay at for a few nights and they will get in touch with the insurers or the appointed loss adjusters. It’s important for the insurers or the loss adjusters to approve the claim of a policy holder before they start looking for a long-term accommodation. Despite the need for approval of claim, the approval can be done in a reasonable amount of time and the hotel accommodation can be extended while waiting for the approval.
Is it short term or long term?
The emergency accommodation can be hotels, serviced apartments, care homes, holiday cottages, caravans, static caravans, motor homes, short and long term lets, or even temporary bathroom pods and kitchen.
Once the agency or company gets a go signal or the approval, they can now relocate a policy holder to a longer-term accommodation. The agency or company who provides the emergency accommodation acts as a liaison between all the parties involved in order to eliminate or lessen the stress from the part of the policy holder. They also deal with difficult landlords and agents and they make sure that the owners or administrators of the temporary accommodation comply with their obligations and legislation.
By the time that the policy holder is ready to go back to his or her home, the company or agency takes care of terminating the contract with the temporary accommodation. They give the landlord a one month notice. They can arrange return removals and take back furnitures that have been rented out. They also take care of the deposit fee paid by the policy holder or the insurer before moving in.
Emergency relocation is an entitlement given to policy holders in the event that their homes become uninhabitable because of the damages caused by natural disasters or unprecedented calamities or events. It is the responsibility of the insurer or the loss adjuster to find an emergency accommodation for the policy holders with the help of the property or accommodation companies or agencies. You don’t need to be the one to look for a relocation site or tap a property or accommodation agency or company to help you find a temporary accommodation. You just need to make sure that you get yourself and your properties insured to be entitled to this service.