If the fire department or your insurer's assessment says the home is unsafe or uninhabitable, no, and loss of use coverage may pay for a hotel or rental in the meantime. For a contained fire (a kitchen fire with smoke through the house, for example) staying is sometimes possible after the assessment, but smoke residue is a respiratory irritant, the HVAC should stay off until ducts are checked, and children, older adults, and anyone with asthma should be cautious. Ask the question directly at the assessment and get the answer in the scope notes.
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