Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere. If a loss covered under Section I makes that part of the “residence premises” where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living. If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living. The limit of liability for Coverage D is the total limit for the coverages in 1. The following provision is an example of what “additional living expense” coverage provides: What do “additional living expense” policy provisions generally look like? ![]() ![]() As stated in that blog post, Loss of Use benefits are intended to cover the cost of temporary placement when the insured premises suffers a covered loss that renders it unusable until repaired. Additional living expenses are typically included as a coverage in homeowner property insurance policies under “Loss of Use.” In a recent blog post, Is Your Insurance Company Threatening to Prematurely Terminate Loss of Use Benefits, Merlin Law Group attorney Dan Veroff discussed Loss of Use benefits and what carriers are doing to curtail those benefits prematurely.
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