Most residential policies have a provision that will cover your additional living expenses should your primary residence become uninhabitable by a covered cause of loss. This can be a tricky coverage to navigate because the term “uninhabitable” means different things to different folks. For a wheel chair bound person a home may be uninhabitable if a room is not accessible because they cannot access necessary living accommodations. For an average family though, uninhabitable usually means not having a place to cook food, a place to sleep or a bathroom. It is also important to note that coverage usually only applies when the cost is incurred and only when you expend costs to live that exceed your current level. It is advised that you consult with an expert prior to venturing too far into negotiations with your insurer on this topic.
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