Temporary Housing for Insurance Claims in Charlotte, NC
We partner with leading insurance claims housing companies in Charlotte and surrounding areas to provide fully furnished homes for families temporarily displaced due to storms, fires, floods, and other disasters—ensuring families have everything they need during this challenging time.
What is Temporary Housing for Insurance Claims?
When a disaster like a fire, flood, or storm damages your home, temporary housing provides a safe, comfortable place to live while repairs are underway. These fully furnished rentals are designed for short-to-medium-term stays—typically 30 days or longer—and come move-in ready with everything from furniture and kitchenware to linens, utilities, and Wi-Fi.
For those navigating an insurance claim, this type of housing is often covered under your policy’s Additional Living Expenses (ALE) or Loss of Use coverage. This means your insurer may reimburse or directly cover the cost of a temporary residence while your home is being restored.
Insurance companies commonly partner with temporary housing providers who specialize in placing families in suitable homes based on their needs, location preferences, and policy allowances. Whether it’s a single-family home, apartment, or condo, the goal is to help you maintain stability and comfort during a challenging time—without the hassle of long-term leases or furnishing a space yourself.
Why Insurance Claimants Might Need Temporary Housing
A policyholder could need temporary housing for insurance claims if their home becomes uninhabitable due to a covered event in their insurance policy. Here are some common covered events:
Fire Damage – Smoke, soot, and structural damage can make a home unsafe to live in.
Flooding & Water Damage – Leaks, burst pipes, or natural disasters can lead to severe water damage and mold growth.
Storm Damage – Hurricanes, tornadoes, or severe storms can cause roof damage, power outages, or structural issues.
Natural Disasters – Events like earthquakes, wildfires, or mudslides can destroy or severely damage homes.
Major Repairs & Rebuilding – Even if a home isn’t completely destroyed, significant repairs may require families to relocate.
Hazardous Conditions – Gas leaks, asbestos exposure, or pest infestations can make a home temporarily unsafe.
Filing The Claim and Navigating Insurance
If your home is damaged and uninhabitable, these are usually the steps you will take to file a claim and secure housing:
Assess the Damage
Make your home is safe to enter, then document all visible damage with photos and videos.
Contact Your Insurance Provider
Call your insurer or file a claim online as soon as possible. Provide details about the damage and your need for temporary housing.
Get Approval
Your insurer will outline what temporary housing expenses they’ll cover and for how long.
Secure Housing and Submit Expenses
Work with an insurance housing provider or find a rental that meets policy requirements and depending on your insurer, you may need to pay upfront and get reimbursed or have them pay directly.
What’s Typically Covered With a Claim
If your home is uninhabitable due to a covered event, your Additional Living Expenses (ALE) or Loss of Use coverage can help with costs beyond your normal living expenses. Here’s what may be included:
- Rent or Lodging – Covers hotel stays, apartments, or rental homes while your home is being repaired.
- Extra Food Costs – If you don’t have access to a kitchen, your policy may cover the additional cost of dining out.
- Transportation – Reimbursement for increased commuting costs if your temporary home is farther from work, school, or medical care.
- Other Expenses – May include laundry, pet boarding, storage fees, or other necessary costs.
What Is Included
Our monthly corporate rentals include everything you need for your stay. From modern furniture to kitchenware to bathroom supplies, we provide the essentials for your extended stay.
Fully Furnished
Move in with ease—stylish furniture and decor are ready for you!
Wifi
Stay connected with fast, reliable internet included at no extra cost.
Netflix
Unwind instantly with Netflix access—your entertainment is covered.
Smart TVs
Enjoy streaming and more on sleek, modern Smart TVs in every unit.
Washer & Dryer
Laundry made simple with in-unit washer and dryer convenience.
Full Kitchen and Bath
Cook and refresh in a fully equipped kitchen and bathroom, designed for comfort.
The Leasing Process
Fill Out Application
Start by completing our quick and easy rental application. This helps us get to know you—whether you’re a healthcare worker, a family in transition, or a professional settling into Charlotte. You can contact us directly for assistance.
Run a Background Check
Once we receive your application, we’ll conduct a standard background check. This step ensures a safe and joyful community for all our guests. It’s quick, thorough, and helps us move forward with confidence—typically completed within a few business days.
Sign The Lease
After approval, we’ll prepare your lease agreement for signing. We’ll collect the security deposit and first month’s rent. Flexible payment options are available to make the process as smooth as possible.
Ready To Rent?
Start your venture in Charlotte with confidence, comfort, and ease. Explore our listings today!