When is a home deemed uninhabitable by insurance companies?

"I know my home insurance will cover temporary living expenses if my house becomes uninhabitable for some reason. But what I want to know is, how do insurance companies decide whether a home can or can't be occupied?


Answer provided by
Shannon Martin
Answered on Apr 09, 2021
“Good question! The simple definition of uninhabitable is “unfit to live in.” This usually refers to health or safety issues, or a lack of necessities or utilities such as electricity, heat, running water, and sanitary facilities. If a house is structurally damaged, it is usually considered to be uninhabitable as well due to the safety issues involved.
You would need the living expense if, for example, a damaged roof could collapse at any moment or a kitchen was no longer safe to use after a fire.
On the other hand, if there was damage to a bedroom and you have a three-bedroom house, then the insurance adjuster would say that it is safe to stay and that the home is still liveable. “

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies