When fire, flood, mold, or other disasters damage your home, insurance often covers temporary housing costs while repairs are completed. Great Stays provides fully furnished, comfortable temporary housing for displaced Detroit residents—with flexible terms and all documentation needed for insurance claims.

We work directly with insurance companies and adjusters to streamline the process and ensure displaced families have safe, dignified housing during what is often a stressful time.

Why Choose Great Stays for Insurance Housing

Insurance-Friendly Process: We’ve worked with dozens of insurance companies and adjusters. We understand the documentation and procedures required for claims, and we provide all necessary letters, invoices, and records for your claim.

Flexible Terms: 30, 60, 90, or 180+ days—we adjust lease length as your repairs progress. When repairs are completed, you move out with no penalties.

Fully Furnished & Move-In Ready: No need to purchase furniture or supplies. Properties come with beds, kitchen equipment, linens, and all essentials. You move in and settle in immediately.

Comfortable Living: This isn’t an austere emergency shelter. Great Stays properties feature quality furniture, reliable appliances, comfortable bedding, and a genuine home atmosphere.

Multiple Neighborhoods: We have properties throughout Detroit (Midtown, Corktown, West Village, University District) so we can match you with a location that works for your situation.

Personal Support: When you’re displaced, you need a landlord who understands. Our team treats every resident with empathy and flexibility.

Properties Available for Insurance Housing

One-Bedroom Apartments: Ideal for individuals or couples. Sleeping area, living room, full kitchen, private bathroom. Monthly rates: $1,200-$1,500.

Two-Bedroom Apartments: Perfect for small families. Two sleeping areas, living room, full kitchen, laundry access, parking. Monthly rates: $1,500-$1,900.

Three-Bedroom Homes: For larger families. Three sleeping areas, living room, full kitchen, multiple bathrooms, laundry. Monthly rates: $1,900-$2,500.

All properties include:

• Complete furnishings (beds, sofas, dining tables, kitchen supplies)
• Linens, pillows, and blankets
• Kitchen cookware and utensils
• Washer/dryer or laundry facility access
• High-speed WiFi
• Climate control (heating/AC)
• Parking
• Utilities (electricity, water, trash)

Insurance Documentation & Claims Support

We provide complete documentation for insurance claims:

Lease Agreement: Official lease showing housing dates and monthly rent, required for claims submission.

Proof of Occupancy: Monthly invoices and payment records confirming you lived at the property.

Cost Breakdown: Itemized invoices showing rent, utilities, and services, helping justify housing costs to adjusters.

Property Description: Details about the property size, amenities, and condition for claim documentation.

Direct Communication: We can communicate directly with your insurance adjuster if needed, confirming occupancy dates and housing costs.

Working with Insurance Adjusters

Here’s how the process typically works:

Step 1: You contact your insurance company to report the damage and request temporary housing coverage.

Step 2: Your adjuster assigns a coverage amount for temporary housing costs (typically $75-$150/day depending on your policy and family size).

Step 3: You contact Great Stays and discuss your needs. We match you with an appropriate property and lease duration.

Step 4: We provide lease terms and cost documentation. You or your adjuster can submit these to your insurance company for approval.

Step 5: Once approved, you move in immediately. We provide all documentation needed for your claim.

Step 6: Great Stays bills the housing costs to your insurance company directly (when authorized) or you pay and request reimbursement from insurance.

Coverage Under Common Policies

Homeowner’s Insurance: Most homeowner policies include temporary housing coverage (often 10-20% of your home’s insured value) while your home is being repaired.

Renter’s Insurance: Renters policies typically include temporary housing coverage if your rental becomes uninhabitable.

Disaster Assistance: In cases of major disasters (floods, fires), FEMA or other disaster assistance may cover temporary housing.

Commercial Policies: Business displacement or commercial property damage may include temporary housing coverage.

Contact your insurance agent to understand your specific coverage limits and documentation requirements.

Getting Started

If you’re displaced and need emergency housing, contact our insurance housing specialist immediately: call (313) 362-8288, email info@greatstays.co, or visit greatstays.co.

Be ready to discuss: family size and bedroom needs, expected displacement length (repairs timeline), insurance coverage details and adjuster information, neighborhood preferences, and pet needs if applicable. In many cases, we can have you moved in within 48-72 hours.

Frequently Asked Questions

Q: Will my insurance cover Great Stays housing?
A: Most homeowner and renter policies include temporary housing coverage. Coverage amounts vary by policy. Contact your insurance adjuster to confirm your coverage limit and submission requirements. Great Stays will provide all documentation needed for your claim.

Q: How long can I stay?
A: Lease length depends on your repair timeline. We accommodate 30, 60, 90, 180+ day stays. When repairs are complete and you return home, the lease ends with no penalties.

Q: What if repair timelines change?
A: We’re flexible. If repairs take longer than expected, we extend your lease. If repairs finish early, you move out and we refund unused rent (depending on your lease terms).

Q: Is there a security deposit?
A: Typically, insurance housing situations don’t require deposits. We work with your adjuster to arrange move-in without deposits in emergency situations.

Q: Can I bring my pets?
A: Many properties are pet-friendly. Discuss pet needs when contacting us. Some properties include yard space for dogs.

Q: What happens if I have questions about my displacement or repairs?
A: We’re here to support you, but we’re not disaster recovery specialists. We recommend connecting with your insurance adjuster for questions about repairs and coverage. We focus on providing safe, dignified temporary housing.

Q: Can you communicate with my insurance company directly?
A: Yes, we can provide information to your adjuster when authorized. We often work directly with adjusters to streamline approvals and payments.

Q: What if I have a bad credit history or rental history?
A: We understand that displaced residents may have various backgrounds. We work with insurance-approved housing situations and focus on providing emergency housing to those in need. Contact us to discuss your specific situation.