(Frais de subsistance supplémentaires) A provision in many policies to provide reimbursement for costs above the normal living expenses, incurred because the insured is forced to live away from home while the home is being repaired because of fire or other damage. It applies to such expenses as restaurant meals, hotel rooms, transportation etc. The company, however, is bound only to pay to maintain the insured's usual standard of living.
If your home is so damaged that you are unable to live there, most homeowner insurance policies pay for some additional living expenses while repairs are being made. This could include limited motel, restaurant, and warehouse storage expenses.
Charges covered by homeowners policies over and above the policyholder's customary living expenses. Additional living expenses generally apply when the policyholder needs temporary shelter (such as a hotel room) after a covered peril (such as a fire) has made their home or apartment temporarily uninhabitable.
Under the broad and special dwellings forms, coverage is provided for additional living expenses in the event of a loss under Coverage A. If the insured temporarily were to lose use of the dwelling, this coverage would apply and payment could be made for expenses incurred to live elsewhere following a loss that makes the dwelling unsuitable for living. Back to list of terms.
Pays expenses over and above your normal living costs (motel rooms, restaurant meals, and laundry service) while your home is being repaired or rebuilt after damage from an insured loss.
a coverage under your policy which pays for additional expenses incurred by an insured while the risk is being rebuilt/repaired. Note: in order for this coverage to apply, you must first have a covered loss.
Extra charges covered by homeowners policies over and above the policyholder's customary living expenses. They kick in when the insured requires temporary shelter due to damage by a covered peril that makes the home temporarily uninhabitable.
The extra costs of living someplace else when your insured home is unlivable due to damage caused by a covered loss. Examples of expenses this covers include hotel room costs and restaurant meals. The amount of coverage for additional living expenses is usually limited to a percentage of the coverage on your home and is in effect for a limited time during which your home is being rebuilt, repaired or replaced.
