Our insured is insured on an HO-3, 1984 edition. Because of a bad fire, he and his family were unable to occupy his home. The home was fairly large and had four bedrooms. The insurer is providing housing for the five person family in a two-bedroom apartment.

While the home was being repaired, our insured's wife had to have emergency surgery. Because of the husband's employment, his sister-in-law came to town to take care of the three small children. Obviously the two-bedroom apartment was too small to accommodate her, so she stayed at a local motel.

The insurer has denied payment for the motel room under additional living expense (coverage D). Isn't our insured entitled to a payment from the insurer so that he can maintain his normal standard of living? If the fire had not occurred, the sister would easily have been able to stay in the home.