Estimating & Workflow
Loss of use coverage
The section of a homeowners or renters policy covering additional living expenses when the property cannot be occupied. Loss of use coverage is triggered by a covered loss that makes the home unfit to live in, and it reimburses the reasonable extra costs of temporary housing and meals. Clear documentation, including how long the property was uninhabitable, often determines whether the costs are paid.
Common questions
What does "Loss of use coverage" mean in Xactimate estimating?
The section of a homeowners or renters policy covering additional living expenses when the property cannot be occupied. Loss of use coverage is triggered by a covered loss that makes the home unfit to live in, and it reimburses the reasonable extra costs of temporary housing and meals. Clear documentation, including how long the property was uninhabitable, often determines whether the costs are paid.
Where does "Loss of use coverage" 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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