does the insurance company have to pay for cost of meals while repairs are done. below is a copy of what insurance company sent me.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Apr 29, 2016
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Pilar, NM
Asked on 04/29/2016
does the insurance company have to pay for cost of meals while repairs are done. below is a copy of what insurance company sent me. The additional living expense for meals is calculated by subtracting your normal food cost from the escalated cost of the meals. Example: If I normally spend $100 a week to feed my family and myself. If my escalated cost for that week amount to $200, the payment would be $100 for that week. $200 escalated minus $100 normal cost. Again this is only an example on how the payment is calculated. Your adjuster will be contacting you to discuss further.
Answer given on May 03, 2016
Without knowing what the exact loss was under your homeowner insurance, the insurance company is responsible for “additional” living expenses incurred from a covered homeowner loss. If you had to move out of the home and are staying in a hotel while repairs are being made, many insurance companies will allow for the cost of eating out if you do not have a place to prepare a meal. However, if you are staying in an apartment or a motel with eating facilities, they would pay for the cost to live there, but the food costs would not be covered since you would be eating the same way you would eat at home. Much of the covered costs are based on the amount of time you have to live elsewhere while repairs are made.The description from the insurance company seems fair since they explain the way they would settle. You can discuss the actual costs per week to feed your family, but if it is significantly more than the amount shown, you may have to provide proof of the increased food costs.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.