Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 8, 2013

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Insurance Question from Sarasota, FL

Asked on 09/08/2013

CAN I FILE A NEW CLAIM FOR DISPLACEMENT MONEY ON MY INSURANCE MY HOMEOWNERS POLICY RUNS FROM JAN.TOJAN.LAST YEAR ON 07/13 WE HAD A FIRE.MY INSURANCE CO.PAID TO FIX OUR HOUSE AND GAVE ME THE MAX ON OUR DISPLACEMENT MONEY.UNFORTUNATYLY WE DIDN'T MOVE IN UNTIL AUGUST OF THIS YEAR.WE SPENT OVER $27,000. OF OUR OWN MONEY SINCE JAN.WHAT I WOULD LIKE TO KNOW IS SINCE MY POLICY WAS NEW IN JAN.CAN I FILE A NEW DISPLACEMENT CLAIM NOW?

Answer given on January 04, 2014

If you filed a claim with your previous insurance company that included displacement, or loss of use coverage, that is the only claim you may file.Even though you have obtained a new insurance policy with a new company, the claim is still based on the previous loss and previous insurance company.The loss of use coverage that you have on a homeowner policy is for additional costs that you incur while repairing the home that was damaged. If you had to make payments at two locations then the money is to reimburse you for the 2nd rent payment. It is not intended to include the costs for the original rent or payment. It also does not cover costs you would incur at any location, such as utilities and food. It is for ADDITIONAL expenses. It sounds like you are including all costs that you incurred since the fire damage.


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