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Do simple repairs trigger additional living expense coverage?

Coverage Q&A: The insured will be unable to use his stove due to a gas leak. Does this mean the premise is unfit to live in?

Additional living expense coverage is broad in its terms; however, a premise must be unfit to live in in order for coverage to be available. (Photo: Shutterstock) Additional living expense coverage is broad in its terms; however, a premise must be unfit to live in in order for coverage to be available. (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: This week’s question is unique: A utility company advised residents of a building that they may be able to file an insurance claim for additional living expenses, or similar, due to a utility issue impacting kitchen appliances. However, does this issue make the premises unfit to live in and would require the insured to relocate until repairs are completed?

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