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I read this tip online and thought it might be helpful for homeowners in this situation.

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Additional Living Expense (ALE) Coverage is one of the provisions in most policies that is usually short and appears to be a straight forward, especially considering the language used in other sections of the same policy, but securing payment under this provision can be frustrating for insureds. Delay for this type of payment can cause extreme hardship. I have watched policyholders who have lost everything, or even those trying to cope without a kitchen, break down in tears because of the hurdles and roadblocks that stand between them and a payment due for covered additional living expenses. Just this week, I received calls from two insureds on different coasts who are fighting for additional living expenses on covered claims. One homeowner had the rental furniture company coming to repossess the furniture and the other faces potential foreclosure because the check has been "in the mail" for five months.

Read More:
http://www.propertyinsurancecoveragelaw.com/2013/02/articles/insurance/navigating-payment-due-to-policyholders-for-additional-living-expenses/

Part II:
http://www.propertyinsurancecoveragelaw.com/2013/03/articles/insurance/navigating-payment-due-to-policyholders-for-additional-living-expenses-part-ii/ 

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Inspirational Quotes

It’s unwise to pay too much, but it’s worse to pay too little. When you pay too much, you lose a little money—that is all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing the thing it was bought to do.

John Ruskin

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Without your encouragement, I would certainly have been too discouraged to pursue our settlement with the insurance company. Wow! What a mistake that would have been!

Harris Fire Survivor, 2007