A covered fire forces a family out of the home for eight months, and the policy expires four months into the repairs. Loss of use:
Explanation
The loss of use limit is payable for the reasonable time needed to repair or replace the damage, and the form states that this period is not shortened by the end of the policy term. So the family keeps drawing additional living expense through the eighth month if the repairs genuinely take that long. Ending the payments at expiration, or shifting them to the renewal, would leave a loss that began during the term half paid.
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