After an insured loss, the insurance company pays for additional living expenses until the property is repaired to pre-loss condition.
Once settled into temporary residence, the couple decides to part ways. The Insurance Company is not obligated to pay for two temporary residences. Their responsibility is to provide a normal standard of living, which at the time of the loss was a joint home.
Insureds can choose to split existing payment between two homes. The insurance company has no obligation to pay on two residences.