Temporary housing during water damage

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Temporary housing during water damage

How to arrange temporary housing quickly and stress-free

If your home becomes uninhabitable due to water damage, your insurance may cover temporary accommodation. In most cases, the best solution is not a hotel, but a fully furnished apartment where daily life can continue as normally as possible throughout the renovation.

Kotimaailma offers temporary apartments for water damage situations quickly, safely, and without hidden costs in over 70 locations across Finland.

What to do first when water damage occurs

Water damage at home can be caused by a burst pipe, a leaking dishwasher, or moisture entering the building structure. If damage occurs, follow these steps:

Contact your local Kotimaailma office – we’ll help you find suitable temporary apartment options.
Choose the apartment that suits you – we will provide all the information you need for your insurance company.
Contact your insurance company to file a claim and request a compensation decision for temporary accommodation.

Acting quickly reduces stress and helps your family return to normal daily routines without unnecessary uncertainty.

Does insurance cover temporary housing during water damage?

Most home insurance policies cover temporary housing if the apartment is officially deemed uninhabitable due to damage.

In many cases, the insurance company will direct the customer straight to a furnished apartment. Alternatively, you can arrange the accommodation yourself and submit the costs to your insurance provider. Clear pricing and proper documentation simplify the claims process.

Hotel or furnished apartment during water damage repairs?

Hotels are suitable for short-term stays. However, when water damage renovations last 1–3 months, more than just a place to sleep is needed.

Challenges of longer hotel stays:

No private kitchen
Limited space for the family
No laundry facilities
Lack of a homelike atmosphere
Disruption of daily routines

A furnished apartment enables normal daily life

Temporary apartments during water damage offer:

Fully equipped kitchen
Living room and separate sleeping areas
Washing machine
All necessary furniture and household equipment
Transparent pricing with no hidden costs

Apartments feel like a home, not temporary lodging. For families with children, having personal space and continuity in daily life is especially important.

How quickly can temporary housing be arranged?

Apartments can often be arranged on short notice, sometimes within just a few days, occasionally even the same day.

Kotimaailma operates in over 70 locations across Finland, so options are widely available. The earlier your housing solution is secured, the smoother daily life continues during renovations.

Why choose Kotimaailma during water damage?

Water damage is stressful enough on its own. Your housing solution should be as simple and clear as possible.

Advantages of Kotimaailma:

Fast response, sometimes the same day
Homelike, fully furnished apartments
Suitable for insurance-covered situations
Clear and transparent pricing
Suitable for the whole family, even for longer stays

Temporary housing during water damage is a solution that allows normal life to continue during an exceptional situation.

Frequently asked questions – water damage and temporary housing

Does insurance cover a furnished apartment?
In most cases, yes, if the home is officially declared uninhabitable.

How long can the apartment be rented?
Typically 1–3 months, but longer if necessary depending on the renovation timeline.

Can the whole family stay in the same apartment?
Yes. Furnished apartments are suitable for couples, families, and households with pets.

Is a furnished apartment better than a hotel?
For longer renovations, usually yes. A kitchen, private space, and laundry facilities make daily life significantly easier.

How to ensure smooth daily life during renovation

Clarify your insurance coverage immediately
Estimate the realistic duration of the renovation
Choose a housing solution that allows normal daily routines
Avoid the limitations of extended hotel stays

When your home is temporarily out of use, you don’t have to compromise on comfort.

Need temporary housing during water damage?

Book your accommodation directly through our online store – always at the best price!

The fastest and most cost-effective way to book accommodation is directly through our online store, where you’ll always find up-to-date prices and the best deals. When you move into a temporary Kotimaailma home, everything is ready for you — all you need to bring are your personal belongings.

Book now

Accommodation During Water Damage

Water or fire damage at home can happen to anyone unexpectedly, but when it does, you don’t have to face it alone. Kotimaailma provides high-quality, fully furnished temporary housing quickly and flexibly across Finland. We offer a homelike temporary apartment on short notice, right where you need it. We take care of all the practical arrangements so you can focus on getting your life back on track. Our close cooperation with insurance companies also ensures a smooth and flexible service experience for you.

Accommodation during water damage

Location and Flexibility

Usually, the goal is for a temporary home to be close to your own home, your children’s school, and familiar daily routes. We always strive to find an apartment as nearby as possible, but if you’re open to exploring something new, we can also offer options in interesting, fresh neighborhoods.

Rental agreements can be tailored to exactly the length of time you need. And yes — pets are welcome in most of our homes!

Why Choose Kotimaailma?

Service is at the heart of everything we do. Our priority is to make your situation as easy as possible:

We respond quickly, often the same day.
We provide personalized and flexible service.
We handle all practical matters for you, including insurance, electricity, water, and internet connections.

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What to Do When Water Damage Occurs at Home

We provide a clear and simple step-by-step process to follow if damage happens:

Contact your local Kotimaailma office – we’ll help you identify suitable temporary housing options.
Choose the apartment that suits you – we’ll provide all the information you need for your insurance company.
File a damage report with your insurance company and request a compensation decision for temporary housing.

Below are links to the major Finnish insurance companies’ guidelines and claim forms:

This ensures a smooth process from the moment the water damage occurs to securing your temporary home.

Contact us

If your home has suffered water or fire damage and you need a temporary place to stay, we’re ready to help!