Home lost in Palisades fire

[Allen Trent]

I did not assume the OP was trying to defraud his carrier. But if he were to willfully inflate the costs in an effort to "get what he paid for" or not "shortchange" himself, that could easily drift into fraud territory.

keep in mind, this is california. even full fledged theft, crimes, assaults are not discouraged

 

[rousemark]

To quote @adjusterjack's mantra, RTFP (Read The F'ing Policy). All the coverages, limits, exclusions and exceptions specific to you will be found there.
With that said, Additional Living Expense (aka Loss Of Use, or Coverage D) is typically not a flat payout. (If your water heater leaked and you stayed in a hotel for 2 days while they dried out the house, you wouldn't expect a check for $115k, right?) Rather, it is designed to cover temporary housing of "like kind and quality" (look for that or similar language in the policy) for up to $X or X amount of time. This means if a guy lives in a shack, he shouldn't expect a stay at the Ritz Carlton. Or a guy in a big McMansion doesn't have to be stuck in a Motel 6. The carrier will ask for receipts because this coverage it typically on a reimbursement basis.
I would advise to find something big enough for your family and close enough to work/school, but not so ultra-lux that you burn through the coverage before the house is rebuilt.

Everybody is telling the OP to read his policy. Anybody ever stop to think that if his house burned the policy was probably burned and therefore he can't read it.

 

[Allen Trent]

Anybody ever stop to think

Come on man. Are you new to the forums?

Most of us have ADHD (some ED and/or STD), we don't have time to read every word someone posts before we lecture them or criticize or correct then.

I recently discovered I have ADHD. It is the form where I can't pay attention. But when I do it is in High Definition. Attention Deficit High Definition

 

[somarco]

even full fledged theft, crimes, assaults are not discouraged

or punishable . . . especially if you are a "guest worker" who suddenly found themselves on the opposite side of the fence . . .