A house fire, a burst pipe, a severe storm—in an instant, any of these disasters can occur, forcing policyholders out of their homes and leaving them with more questions than answers.
Where will they sleep tonight? How long will they be displaced? What does their policy cover? When can they start the claim process? When will life be normal again?
For adjusters, each displacement claim presents a unique opportunity to provide exceptional service during a critical time.
In this blog post, we will explore what displaced policyholders truly need during their time of displacement so that you can tailor your support effectively, facilitate a smoother, more compassionate claims resolution process, and boost policyholder satisfaction and retention.
1. Help Navigating Insurance Coverage
Many policyholders have never had to think about their Additional Living Expenses (ALE) coverage.
Once disaster strikes, they are scrambling through their home insurance policy to figure out what’s covered, what’s not, how long they can stay in a temporary accommodation without paying out-of-pocket, and much more.
Providing displaced policyholders with a clear understanding of their insurance policy helps set the right expectations, prevent frustration over uncovered expenses, and allow them to make informed decisions about their temporary housing.
Pro tip: An ALE management provider, like Accomsure, can help you field these questions so you can focus on progressing the claim.
2. A Sense of Normalcy
All displaced policyholders want is to restore a sense of normalcy and comfort after a disaster occurs.
One of the best ways an adjuster can help their displaced policyholder feel a sense of normalcy is by securing temporary housing that allows the displaced family to uphold their same daily routines.
For example, an adjuster can help by coordinating accommodations that allow a family to keep their children in the same school district, close to community, friends, and extracurricular activities. Moving is already overwhelming and having to make changes to usual routines not only adds stress but can also add additional ALE expenses. By finding housing near their original home, adjusters help families maintain a sense of normalcy.
Another example is if a policyholder has medical needs, they may require access to their usual pharmacy or healthcare provider. If they rely on specific prescriptions or treatments, placing them in housing near their medical resources prevents disruptions to their health.
3. Clear Communication
As you know, good communication is important to ensure policyholder satisfaction.
Clear, proactive, and transparent communication is one of the most critical aspects of insurance claims and the ALE process because it:
- Reduces stress and uncertainty
- Prevents misunderstandings
- Builds trust between adjusters and policyholders
- Speeds up decision-making
However, maintaining good communication with policyholders can be challenging when you have a busy workload. That’s where an ALE management provider can support you to ensure your policyholders feel heard while any stress on you is limited.
4. Financial Clarity
One of the biggest worries for policyholders is money—especially if they don’t fully understand their ALE coverage. Unexpected costs can add up quickly, like higher utility bills in a rental or meals out when there’s no kitchen.
When displacement occurs, policyholders appreciate when adjusters provide a clear breakdown of what their policy covers, an easy-to-follow explanation of how expenses can be tracked, and support finding cost-effective solutions that keep expenses within policy limits.
Accomsure can help provide financial clarity to your policyholders by finding accommodations that meet claim limits and offer the amenities needed, such as a kitchen, to keep costs at bay.
5. Emotional Support & Empathy
Losing a home, even temporarily, is an emotional battle. Displaced policyholders aren’t just worried about where they’ll stay—they’re overwhelmed by the disruption, uncertainty, and loss of control over their lives.
Listening when they need to vent, providing regular updates so they aren’t left in the dark, and paying attention to the details that matter can make a significant difference in your policyholders’ emotional and physical well-being.
At Accomsure, we take pride in providing compassionate ALE support to your policyholders so they feel emotionally supported throughout the claims process. Recognizing the heavy caseloads that adjusters face, we are here to help with providing hand-holding and ensuring the well-being of each policyholder, easing some of the pressure off your workload and allowing you to focus on the broader scope of your responsibilities.
Contact Accomsure for Support in Meeting Your Policyholders’ Needs During Displacement
Handling ALE on top of everything else you’re managing isn’t easy. Finding housing that truly meets a policyholder’s needs, providing clear communication, and helping them regain a sense of normalcy in an uncertain time all take time, effort, and constant coordination.
That’s where Accomsure comes in.
We take the housing search, logistics, and policyholder support off your plate so you can focus on managing the claim. Whether it’s securing a pet-friendly rental, keeping a family close to their child’s school, arranging accessible accommodations, or simply ensuring the policyholder understands their coverage, we handle it all.
Let us make your job easier while keeping your policyholders comfortable, informed, and supported every step of the way.
Contact us today to learn more about how we can support you and your displaced policyholder.
