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as it pertains to additional living expenses that are owed to a policyholder after a disaster the insurance policy contracts will typically promise to pay the cost for the policyholder and their family to maintain their normal standard of living it seems reasonable that if a policyholder must move out of their home due to a covered loss then the insurance carrier should put the policyholder into a home that is roughly the same size and quality of the home for which their family is accustomed however the insurance carriers typically take the position that renting a fully furnished home for the policyholder is not reasonable because theyre likely only going to be there for a very short time maybe three or four weeks so the insurance carrier will often insist that the policyholders cram themselves into a hotel room or if theyre feeling generous to hotel rooms then the insurance carrier is typically cut off any payments for outside meals for the policyholders family because the hotel roo