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.
Ordinance or Law Coverage: The Part of Your Claim Nobody Scopes
Standard property insurance pays to put your building back the way it was. It does not pay to bring it up to a code written after it was built, and that gap is the most common uncovered cost in a large claim.