A separate claim usually doesn't need to be submitted for loss of use. It's included as part of the original claim you would make if your home is damaged or destroyed.
"Once a claim is determined to have resulted from a covered loss, your insurer will begin to make accommodations with you for loss of use payments, including working with you to determine an alternate living arrangement that can meet your satisfaction," says Sawan.
Be prepared to complete a form breaking down your normal monthly living expenses. Also, be ready to submit receipts and invoices to your insurance company for all increased living expenses you pay while you are forced to live outside your home. Keep careful records and save vouchers for every transaction.
"You should submit these receipts and invoices as they accrue so that you can be reimbursed over time as long as needed and up to 12 months," Smith says.