Estimating & Workflow
Loss of use
Coverage that pays the additional costs a policyholder incurs when the home is uninhabitable after a covered loss, such as a hotel stay, meals, or extra transportation. Loss of use pays the difference between normal living expenses and the higher costs caused by the loss. It is separate from the dwelling repairs, and the policy sets the limit on the period and the amount that can be claimed.
Common questions
What does "Loss of use" mean in Xactimate estimating?
Coverage that pays the additional costs a policyholder incurs when the home is uninhabitable after a covered loss, such as a hotel stay, meals, or extra transportation. Loss of use pays the difference between normal living expenses and the higher costs caused by the loss. It is separate from the dwelling repairs, and the policy sets the limit on the period and the amount that can be claimed.
Where does "Loss of use" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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