Thank you for sharing!

Your article was successfully shared with the contacts you provided.

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.



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.