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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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I want you to know I really appreciate all the help and advice you gave me. You were so generous with your time. I would have been lost trying to do everything on my own with no prior knowledge of how my insurance company would respond. Bless you both for your generosity and your wonderful advice.

Witch Creek Fire Survivor, 2007