If you cannot live in your home as a result of this insured event, there may be coverage available to you for offsite lodging and food. This is calculated based on the reasonable increase to your usual household expenses until your home is ready to be reoccupied. This coverage applies to those necessary and reasonable expenses which exceed what you would normally spend. For example, immediately after your loss you may need to eat in restaurants and not at home. Those restaurant expenses, which would be over and above your normal grocery bill, would be eligible for reimbursement under your home insurance policy.
Please keep receipts for any costs incurred, as you’ll need to submit a record of these expenses. Separating these receipts into categories like meals or accommodations makes for easy reference.