“使用损失”保险有助于支付自然灾害后的临时生活费用。 "Loss of Use" insurance helps cover temporary living costs after natural disasters.
“使用损失”保险,或“额外生活费用”保险,帮助房主和租户在自然灾害使其住房无法居住后支付临时生活费用。 "Loss of Use" insurance, or "Additional Living Expenses" coverage, helps homeowners and renters cover temporary living costs after a natural disaster renders their home uninhabitable. 通常相当于住房覆盖面的20%,它可以支付旅馆住宿费、食品费和仓储费。 Typically amounting to 20% of dwelling coverage, it can pay for hotel stays, food, and storage fees. 费用虽然是为短期救济而设计的,但在灾害期间可能会增加。 While designed for short-term relief, costs can escalate during disasters. 政策执行者应审查其覆盖范围,并考虑为长期需求提供紧急紧急救援援助。 Policyholders should review their coverage limits and consider FEMA assistance for extended needs.