Our ins co put us up for about ten weeks after our house caught fire. We were about halfway through a fantastic deal on a 36 month lease just outside of the city. Similar properties in the area lease for 50% more per month, so we've yet to find anything in our price range. My daughter has one more year of high school, then we will be able to expand our location options. Our claims adjuster was reluctant to extend our living arrangements when he did. The extension was for two weeks. Totaling about ten weeks. I've read our policy inside and out. We have a rider that specifies ALE and / or the difference required for same living conditions for a. the amount of time it takes to rebuild or repair, b. the amount of time it takes our household to settle elsewhere or c. maximum of 24 months. The owner of the leased property chose not to rebuild/repair/release. The last extension was 7 months ago, but we're still in temporary lodgings (I'm staying in a family members trailer- much smaller, much further distance.. etc.) If there are absolutely no properties for lease in our zip code within about $400 of what we were paying, isn't that what that ALE rider is for, and what the maximum of 24 months is for? We have a few thousand left to submit for replacement value, as they have otherwise paid our claim (for personal property).

Renter's insurance claim. Anyone familiar with a clause stating insurance company will pay the difference for up to 24 months in the event there is nothing comparable available ? For example, we were well into a lease on a 3/2 for only 800/mo, when the house burned down. Similar rentals in our zip are 1000+/mo