Working with your AAA insurance agent is a good way to make sure you have all your insurance needs covered. Knowing the amount you typically pay for gas, food, rent and any other applicable expenses every month will make it easier to review and expedite your claim reimbursement. This is a good idea even if you have not suffered a loss. Keep records of your normal living expenses. Having these receipts available will expedite the claims process. This will help us calculate reimbursement expenses. This can include your rent or hotel bill, moving expenses, restaurant receipts and pet boarding fees. Save receipts for all essential expenses. Loss of Use coverage does not apply to things like elective renovations, general maintenance or any lost work hours in order to address a loss like meeting up with contractors or emergency service companies. Most notably, Loss of Use coverage does not apply unless your home is damaged by a covered peril.įor example, damage caused by flooding or an earthquake isn’t covered by home insurance therefore, Loss of Use coverage wouldn’t apply if your home was damaged by either event.Īdditionally, it doesn’t provide reimbursement for costs for which you were already responsible, such as your mortgage, rent, car payments, insurance premiums, HOA fees and many others. We want to help you pay for most of the expenses related to your temporary living situation however, Loss of Use coverage doesn’t cover everything. What does loss of use coverage not cover?
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