Loss of Use
A standard part of every homeowners policy is the “Loss of Use” or “Additional Living Expenses” coverage, also known as Coverage D on your policy. When your home is extensively damaged by a named peril in your insurance policy, like a windstorm or fire, and you can no longer live there, Coverage D kicks in.
What to do when you are faced with storm damage
Check on your insurance now if you have not had any storm damage. Before storms hit, another important step to take is to check to make sure you have the proper insurance coverage you would need in the case of a direct hit from a tornado or other severe weather.