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.
Additional Living Expense Not Covered for New Standard of Living
AJR Public Adjusters 