Insurance cover?

  • by Astran
  • Jun 28,2018
  • 14 answers

Insurance cover?


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Insurance Answers (14)

lucy 4 months ago

When my house caught fire back in 1995, the insurance put us in a “suite” hotel for a week, which had a small kitchenette. I “think” they may have paid for (first) day of meals, but we paid for them and then they reimbursed us.
But after 1 week, the insurance put us in a short term apartment, that we lived in for another 3 months till we were able to get back into on own house again. The cost of the “suite” for 1 week was the same cost for this apartment for a month, that had 2 bedrooms for my step son, and also needed due to having a cat and dog to house.
The additional living cost (term) for living in a hotel/apartment due to the house uninhabitable, only covers the cost to live somewhere else, but does (not) cover food, since living in your own house or a hotel, you would still be expected to pay for your (own) food.

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STEVEN F 4 months ago

Food isn't covered because you would have to buy that in any case.
However, the accommodations provided by the insurance should include basic food preparation facilities.

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Who 4 months ago

why should it?
if no fire they have to provide their own food at their expense- how does having a fire change that?
(and insurers will only pay for hotel if repairing the fire damage aint gonna take long
if its gonna take a long time they would expect them to arrange to rent a place (and pay for the rental) and only pay for a hotel short term to allow them time to arrange it)

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Judy 4 months ago

Sorry, but it's not. Most hotels have refrigerators available. They could keep milk there, and keep a box of cereal and sandwich ingredient s on hand to cover breakfast and lunch.

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StephenWeinstein 4 months ago

No.
They could also buy a cheap microwave, for under $100, and bring it to the hotel. A hotplate may also be an option, but I don't recommend it, because they tend to burn food and set off the hotel smoke alarms.
They may be able to get a hotel room that comes with better cooking facilities. For example, at Extended Stay America, Homestead Studio Suites, and one other chain whose name I forget, I've gotten rooms with real kitchen appliances, including a microwave, cooktop (electric stove/range) and refrigerator, for less than the cost of a regular hotel.

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Flower 4 months ago

Does the hotel have any kitchen suites? Can you put a hotplate and microwave in the hotel room? Ask insurance to get you a hotel with a kitchen because of the 2 kids.

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curtisports2 4 months ago

No, food is not provided.

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Casey Y 4 months ago

The insurance company will not pay for meals. They pay for "Additional Living Expenses" and that is defined within their policy.

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Eva 4 months ago

The hotel is meant to be temporary lodging. Meals are covered for a few days, but they have to pay for them out of pocket first. If the Red Cross was involved, they usually give them prepaid credit cards to buy clothing and cover other expenses. If the house was destroyed or needs quite a bit of work to be livable, they need to search out alternate accommodations such as an apartment or other rental. Their insurance company will work with them on this. If they are friends, you could invite them to your home for a meal or two.

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David 4 months ago

They might be able to get some food assistance from a government agency or charity, but I doubt the insurance company would pay for meals.

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Edward 4 months ago

No, the insurance company should not also provide food.
The insurance payment is for expenses you wouldn't have if your house hadn't burned down.
Did your friends never buy any food when they were living in their house?

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real estate guy 4 months ago

why. a person eats every. With or without the house, they would pay for food.

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Success 4 months ago

ask them to switch to a hotel that has a small kitchenette.

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Tavy 4 months ago

They buy their own food at home. Insurance covers four walls and a roof. They won't be paying utility bills in a hotel. So they save on those.

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