does the insurance company have to pay for cost of meals while repairs are done. below is a copy of what insurance company sent me.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 29, 2016

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Insurance Question from Pilar, NM

Asked on 04/29/2016

does the insurance company have to pay for cost of meals while repairs are done. below is a copy of what insurance company sent me. The additional living expense for meals is calculated by subtracting your normal food cost from the escalated cost of the meals. Example: If I normally spend $100 a week to feed my family and myself. If my escalated cost for that week amount to $200, the payment would be $100 for that week. $200 escalated minus $100 normal cost. Again this is only an example on how the payment is calculated. Your adjuster will be contacting you to discuss further.

Answer given on May 03, 2016

Without knowing what the exact loss was under your homeowner insurance, the insurance company is responsible for “additional” living expenses incurred from a covered homeowner loss. If you had to move out of the home and are staying in a hotel while repairs are being made, many insurance companies will allow for the cost of eating out if you do not have a place to prepare a meal. However, if you are staying in an apartment or a motel with eating facilities, they would pay for the cost to live there, but the food costs would not be covered since you would be eating the same way you would eat at home. Much of the covered costs are based on the amount of time you have to live elsewhere while repairs are made.The description from the insurance company seems fair since they explain the way they would settle. You can discuss the actual costs per week to feed your family, but if it is significantly more than the amount shown, you may have to provide proof of the increased food costs.

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