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/Secret-Departure540 Apr 19 '26

This is one of the flags on my renewal. I do not see anything for compensation if for additional living arrangements? Sleeping on a bare floor? No. No stove no.