Flooding can make your house uninhabitable while you clean up and make repairs. As families face this, they wonder where they will live. Private flood insurance through Stalwart Insurance, serving Pittsburgh, PA, can help with this.
Additional Living Expense Coverage
Some private flood policies include coverage for additional living expenses. Coverage may also be referred to as loss of use. If a covered flood damages your home and makes it unlivable, this coverage can kick in to help your household. You can use it for hotel bills, temporary rentals and short-term, meals eaten away from home. Your family can use this while repairs are being made. Some companies offer it automatically. Others allow you to add it to your policy. Since private carriers write their own policy language, it’s different for each carrier. Refer to your declarations page to see what your policy includes.
Conditions That Usually Apply
Your temporary housing coverage will usually hinge on some qualifiers. There needs to be a covered flood. Also, your home must be uninhabitable, not just inconvenient. Benefit may also be linked to the time it takes to make repairs. Some policies have a brief waiting period before coverage starts. Claimants who keep notes and records during their stay streamline the process.
Steps Before and After a Flood
Ask your agent before a flood if loss-use protection is included with your policy and how it’s handled. Keep photos of your home and an inventory of your belongings for filing a claim. Contact your agent as soon as possible after a flood.
Temporary accommodation can be part of a private flood insurance policy when the right coverage is selected. Your private flood insurance agent at Stalwart Insurance, serving Pittsburgh, PA, can review the options and help homeowners feel prepared.
