Loss of Use Coverage: It Pays the Increase, Not the Total
Loss of use is the coverage most often underclaimed, and the reason is one misunderstanding: it pays the increase in your living costs, not the total. If your mortgage continues and you also pay rent, the claim is the rent.
Smoke Damage Insurance Claim: What Carriers Underpay
Smoke damage is not a footnote on the fire claim. It migrates through the whole building, it crosses property lines from a neighbor's fire, and it lands in the gray area between cleaning and replacement where most of the money is.