We’ve lost use of our home due to lack of electricity after a tree damaged our house and severed the electrical connection. Our insurer is covering our hotel stay, but then only repaying for “incurred costs” making us nearly go broke. No hotel here has a kitchenette, and they can’t seem to find us any longer term place. They say they won’t allow for any lease at this time without a timeframe for when electricity will be restored. They say after it is restored we can move back in our home. They told us they don’t usually pay for food after ALE services take over…but we have no place to cook! We’re paying out of our pockets to dine out every meal! We feel like we’re being held hostage waiting for a timeline that after weeks we don’t have and no one is able to give it to us, especially because weather is a factor. Are these practices reasonable? (We do not have a total loss.)
Also, once power is back on to our home we are still unable to have access to an entire bedroom. Extensive work will need to be done including opening the roof to repair. A second bedroom upstairs requires roof repair too. Our bathroom requires its skylight to be replaced. So with multiple rooms needing to be exposed to the outside while we are experiencing huge amounts of rain, it doesn’t seem reasonable to live back in our home during this time when we won’t have a room to sleep in. We want to be back in our home, but we don’t want to be forced to be uncomfortable and further burdened during this process. Are we right about this?