Additional living expense coverage is one of those broad coverages that can bedevil adjusters, agents, and insureds alike. Just what exactly makes a residence unfit to live in?

The phrase is not defined in the policy, which leaves it open to interpretation. An adjuster may have a very different interpretation from the insured of what makes a house unfit to live in. Since there is no definition on the policy, we go to the dictionary. Merriam Webster Online defines fit as “acceptable from a particular point of view, or put into a suitable state.” That’s a beginning, although still vague. Let’s look at a few situations and see what might cause insureds to relocate.

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