Under the additional living expenses coverage, how long is loss covered if a civil authority prohibits use of the dwelling due to damage at a neighboring location?

The coverage for loss under additional living expenses due to a civil authority prohibiting the use of the dwelling as a result of damage to a neighboring location typically lasts for a specified duration. In this case, the correct duration is two weeks. This means that should a civil authority enforce restrictions that force residents to leave their homes, the policy will cover additional living expenses incurred for up to two weeks.

This policy decision is based on the understanding that while the situation is serious, the coverage is intended to offer temporary support and is limited in duration. Hence, after the two-week period, the insured would need to find alternative financial arrangements or consider other forms of relief, as the coverage provided ends. Such time limits are standard practice in many insurance policies to define the extent of support available during crises caused by external factors affecting living conditions.