auto insurance loss of use

Tornado hit home and total loss ?
House will prob. be declared a total loss…what does that mean? If declared that term will the dwelling coverage of the insurance be paid out to the max as well as the contents? There also is a loss of use amount on my insurance policy, will that be paid out to me in full/I have to pay first and then get reimbursed. Not much can be done since the electric can’t even be turned on till next month and many homes have a do not occupy sign posted…IT won’t be a quick fix. CAn an upcoming purchase of a rv/5th wheel travel trailer be placed under a loss of use claim since living in a 1 room hotel is just difficult w/ a family? Will the insurance company make offers on total loss in terms of what will be paid out or is it an auto max payment of what the dwelling covers? Or does it go beyond the dwelling coverage if the fair market value is used since repairing it into what it used to be exceeds the dwelling coverage amount? thank you
When I had my total loss….
Allstate set an amount for me to rent a place (just like what I owned) and they gave that to me each month – and I had the option to rent a smaller place & pocket the rest (loss of use)
Dwelling should be rebuild exactly as it was minus you paying your deductible…if you had replacement cost.
If you had Actual Cash Value – they might cut you a check for the worth of your home – with depreciation….
Contents – They will cut a check…with depreciation for all the contents you can list/remember
and if you have replacement cost – as you replace the items & send in the receipts…they will reimburse you the different to pay your full replacement cost.
Good luck…remembering everything I owned was the biggest challenge!!! But you have 3 years to finish out your claim
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