Home lost in Palisades fire

[LostDollar]

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.

I just reread your post, and I see another possible concern.

Both of the policy documents I have mentioned a maximum 24 month payout period. Due to the magnitude of human development loss in this particular fire, what happens if rebuilding infrastructure and then rebuilding dwellings takes longer than 24 months, at least for some folks?

Or what happens if governmental authorities, due to mudslides and fire risk, will not allow rebuilding in some of these areas? And some people can't find new developments and get replacement dwellings built in 24 months?

 

[Allen Trent]

I am not quite as enamored of some of your humor as you are

Now I am upset. 5pm my local time & I just punched out, was happy & skipping looking forward to the weekend. Now, I read that you are not enamored with some of my humor & now I am wanting to go straight home & hide under the covers.

But wait, you said you were not enamored by "some" of my humor. So, I am going to take that to mean you are enamored by most of it. I am now super happy & ready to party again.

 

[LostDollar]

Now I am upset. 5pm my local time & I just punched out, was happy & skipping looking forward to the weekend. Now, I read that you are not enamored with some of my humor & now I am wanting to go straight home & hide under the covers.

But wait, you said you were not enamored by "some" of my humor. So, I am going to take that to mean you are enamored by most of it. I am now super happy & ready to party again.

you are an incurable optimist. I went ahead and gave you a like on the tunnel post just so you could have a happy weekend skiing, tobogganing or ice fishing, or whatever.

 

[Allen Trent]

skiing, tobogganing or ice fishing, or whatever.

woah, woah, woah.

I dont know who you think I am. But I am not that wild & crazy. I am not markthebroker.

 

[LostDollar]

woah, woah, woah.

I dont know who you think I am. But I am not that wild & crazy. I am not markthebroker.

Well, if you put chains on your golf cart and use a black golf ball, you might be able to golf tomorrow.