Before you begin
Estimate the practical costs of living elsewhere after a covered loss and compare policy wording.
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Loss of Use Planner
| Done | Item and purpose | Your notes |
|---|---|---|
| Household members Include accessibility, school, work, and care needs. | ||
| Temporary housing Estimate a realistic local monthly amount. | ||
| Meals Separate normal spending from potential additional cost. | ||
| Pets Include boarding or pet-friendly housing differences. | ||
| Transportation Record added mileage, parking, or transit. | ||
| Laundry and storage Estimate incremental services and storage. | ||
| Utilities Note which normal expenses continue and which new ones arise. | ||
| Expected duration Use several time scenarios without treating them as a claim promise. | ||
| Policy limit Record dollar, percentage, and time-related wording. | ||
| Receipt plan Create a folder for invoices, payments, and carrier instructions. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.