What additional living expense/loss of use coverage means to California fire victims

The skies are filled with smoke, and thousands of homeowners being evacuated from their homes in Southern California. It has been a weekend of devastation with the fires still ablaze. Our Saturday night’s plans changed suddenly when we spoke to our close friend, Mike, who was being evacuated from his home in Anaheim Hills and was coming to stay with us until he could return. He started asking insurance questions, and I started thinking about how complex and confusing the insurance issues are when you really have to put them to the test.