Homeowners Frv Coverage

[Fwfadjusting]

Recently I had a fire st my home which resulted in a total loss. I rented a room to my relative and have documentation to prove it. At first the claim rep advised me to send the documentation for review but they then stated that because the relative is "insured" as the language in my policy suggests, then I would not be able to recover the loss of rent.
My question is even the the tenant is a family member and therefore "insured" could I still fight for loss of use coverage d.