Can I claim loss of use on two separate homes with two separate policies that are insured by the same company?

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Both primary home and second home were damaged and unlivable due to hurricane Michael. Current loss of use is being covered under primary home claim.

Asked January 15, 2019

1 Answer


This is a really good question as it affects people all over the country that own multiple homes. The loss of use coverage on your home policy is available should you need to live at another location while your primary home is being repaired. The insurance company will require certain documents from you proving how much per month or a total of what it will cost you to live somewhere else temporarily.

The only time the insurance company may pay loss of use from both policies is if you reside in two different locations for different parts of the year. You will need to communicate to the insurance company your living situation in order to have a correct payout. It is important to note that each time you make a claim, the rates will increase for a period of time.

For more information it is recommended that you consult with your agent as these terms vary from one company to another.

Answered January 18, 2019 by fl_pc

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