There are a number of different types of additional living expenses that may be covered by your insurance policy in the event of a disaster. Today, we’ll take a look at some of the most common types of additional living expenses and how they might be covered in Utah.
Understanding Additional Living Expenses
When a disaster strikes, your first priority is often simply getting to a safe place. But once you’re out of immediate danger, you’ll need to start thinking about the long-term consequences of the disaster and how you’re going to get by until your home is habitable again. That’s where additional living expenses come in.
Additional living expenses are defined as “reasonable and necessary expenses incurred over and above normal living expenses” as a result of a covered disaster.
Here are some examples.
Examples of Additional Living Expenses
One of the most common types of additional living expenses is temporary housing. If your home is uninhabitable due to a disaster, your insurance policy may cover the cost of renting a temporary place to live. Coverage for temporary housing may have limits on the amount of time you can stay in a rental property and on the amount you can spend per day or per week.
Another common type of additional living expense is transportation. If your vehicle is damaged or destroyed in a disaster, your insurance policy may reimburse you for the cost of renting a car or for public transportation expenses.
Meals are another type of expense that may be covered by your insurance policy. If you are unable to cook meals at home because of damage to your kitchen or because you are without power, your policy may reimburse you for the cost of eating out.
Home Insurance in Utah
These are just a few of the most common types of additional living expenses that may be covered by your insurance policy in Utah. Be sure to read your policy carefully to find out what is and is not covered in the event of a disaster. And if you have any questions, we’re here to help! Contact ASA Insurance today to learn more about all of your home insurance coverage options.