Maybe you have to rent equipment while damaged items are being repaired or replaced. To the extent that those steps are necessary and are caused by the loss event, their costs are covered as extra expense . There is a cap on this special coverage. They are covered as part of regular repair or replacement cost. Also employee basic salary is not considered to be part of the extra expense coverage.
Insurance normally pays only for damages caused by some accidental, harmful event.
This means the perilous event was the direct cause. It does not include indirect results or side-effects. It does not include the extra trouble that you face in having to deal with the fact that you have had a loss. Neither are the costs of inflation and interest between the date of loss and the date of repair or replacement. Damage caused by your failure to board up, cover, or otherwise limit the damage after the loss event is not a direct property loss either.