Coverage D – Loss of Use
Definition:
Coverage for additional living costs when a home is uninhabitable due to a covered loss.
Explanation:
This overlaps with ALE but applies specifically to housing costs, meals, and other necessary expenses. It ensures families can maintain normal living conditions.
Example:
If water damage forces you out of your home, Coverage D pays for a hotel stay.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.