by davidcraigwhite » Fri Feb 22, 2013 05:42 pm
We got moved out to temporary accommodation recently for 3 months due to some work that had to be done via an insurance claim and we lived at a relatives property.
My question is what is typically covered in regards to any bills we paid on our property for that 3 month period. We of course still had to pay for electric, heating, line rental, tv, broadband and general stuff and of course cancelling any of them was pointless as we have a 3 month notice period on most of them anyway.
Should the insurance company not cover any of this?
My question is what is typically covered in regards to any bills we paid on our property for that 3 month period. We of course still had to pay for electric, heating, line rental, tv, broadband and general stuff and of course cancelling any of them was pointless as we have a 3 month notice period on most of them anyway.
Should the insurance company not cover any of this?
Posted: Sat Feb 23, 2013 01:27 am Post Subject:
Heck, you don't even mention if it's a 1st or 3rd party claims.... so who knows. If it's 3rd party they should consider and _additional_ expenses. If it's 1st party you will need to review your policy to see if you have any Additional Living Expenses. As both imply, only your _additional_ expenses would be addressed.
Posted: Sun Feb 24, 2013 07:49 am Post Subject:
In my experience, things like cable/satellite TV service, telephone-Internet, and other utilities, and deliveries such as the mail can all be placed on temporary hold for one to three months as a general matter of business conduct.
As tcope has said, your homeowner's policy probably includes "Additional Living Expense" protection. If so, the cost of "additional" items is reimbursable: lodging, certain meals, added costs of Internet service and other items you would normally have available in your home for which you now have to pay an added amount.
If you're not in your home, your "heating" bill, for example, should be almost $0, and your electric and water bills should be lower than normal -- other than what the workers need during the day. And unless your relatives are charging for your accommodations, your additional living expense is probably nominal, at best.
If you were forced to live in a hotel, they would be much higher, since you would be paying for the hotel and probably not be able to prepare a nightly dinner meal, for example. (Ideally, you'd choose a hotel that provided a daily breakfast meal, otherwise that would be an extra expense each day.) If you normally took your own lunch to work, but now had to buy lunch every day, that too would be additional.
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