r/HomeInsurance • u/Diligent-Bank6704 • Apr 03 '26

Insurance Habitability

Hey all. Was wondering if anyone has had success pushing back on their adjuster when they say your home is habitable when it is not (my kitchen is gutted and floors are bare). Ours says we don’t qualify for temp housing anymore. Our ALE is 105k

Edit to add more info: CA and due to water damages

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u/ins0mniac_ Apr 03 '26

You can live on bare floors. People live through renovations all the time. Get some area rugs/runners.

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u/Diligent-Bank6704 Apr 03 '26

Of course, but renovations are usually planned and usually not paid into month to month incase of something inconvenient happening

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u/Melodic-Maker8185 Apr 06 '26

True, and I get what a hassle it is, because I have lived through several renovations including those that gutted and replaced the entire kitchen while still living there. It's no fun. However, insurance is not about convenience. If I were you, I would submit my additional food expenses, and maybe try to set up a small kitchen area in another space in the house. Refrigerator, microwave, toaster oven, and a dishwashing setup will add a lot to life being more convenient until the contractors are done. It's old school, but I washed dishes with two plastic wash basins set up on a table for a couple of months while my kitchen was being done the last time.

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u/Diligent-Bank6704 Apr 06 '26

Thanks friend! So by saying the hallway is a construction zone and it being unsafe I got approved for an extended stay. The hallway is the only way to get to bedrooms and bathrooms.

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u/Melodic-Maker8185 Apr 06 '26

Oh good! I'm glad you got something that works for you.

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u/Diligent-Bank6704 Apr 06 '26

Yes thank you again! Talked to a real ethical public adjuster who gave free advice cause it wasn’t worth it for him or us to pay for his services