The COVID-19 pandemic is challenging the Insurance Industry in areas of coverage interpretation that were not a component of the Underwriting and Rating process. Under a Residential Homeowner HO3 policy, how are the following scenarios responded to: 1.The home sustained a covered loss, prior to the COVID-19 pandemic outbreak, making the house uninhabitable and triggering ALE coverage for the Insured(s). Because of limitations in place, directly and indirectly related to the various Executive Stay-At-Home orders, contractor repair activity is taking longer than normal. This involves suspensions of service, and an extended repair time. Does the Additional Living Expense coverage under the policy respond to this delay, which increases the ALE cost of the claim?
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