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Property damage as a result of a natural disaster or a fire may mean extra expenses the insured didn't plan on. (Photo: iStock)

Question. We are hoping you can help us in interpreting some policy language. Our insured is a small manufacturer who leased premises that were destroyed in a fire. He is insured on a CP 00 10 04 02 with broad form coverage, with the CP 00 30 04 02 business income and extra expense coverage form attached. 

He established a temporary office in his own home until he was able to find a suitable space elsewhere, which took about two months.

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