The COVID-19 pandemic is challenging the Insurance Industry in areas of coverage interpretation that were not a component of the Underwriting and Rating process. Under a Residential Homeowner HO3 policy, how are the following scenarios responded to: 1.The home sustained a covered loss, prior to the COVID-19 pandemic outbreak, making the house uninhabitable and triggering ALE coverage for the Insured(s). Because of limitations in place, directly and indirectly related to the various Executive Stay-At-Home orders, contractor repair activity is taking longer than normal. This involves suspensions of service, and an extended repair time. Does the Additional Living Expense coverage under the policy respond to this delay, which increases the ALE cost of the claim?

2.The home sustains a covered loss, but the house remains inhabitable. The Insured(s) is seeking ALE coverage while the repairs are being made. Out of the fear of coming into contact with a potentially infected construction worker, even though the workers are taking the necessary precautions in compliance with CDC guidelines and social distancing, e.g.wearing masks, gloves and even protective clothing. Does the policy ALE respond?

3.The home sustained damage from a covered loss and became uninhabitable. The Insured(s) were placed in temporary housing and ALE coverage was provided. The repair to the house is now completed but the Insured(s) do not want to return to the house, since it is located in a 'hot-spot'. Does the policy ALE respond?