Usually yes, if your policy includes loss of use (Coverage D), which most standard homeowners policies do. It pays the additional living expenses of being displaced, hotel or rental, and the increased cost of meals and essentials, up to your policy limit, while the home is uninhabitable due to a covered loss. Keep every receipt from the first night. If the home is habitable after the assessment, loss of use generally does not apply, which is one reason the habitability decision gets documented carefully.
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