I can't live in my home during repairs. What does my insurance pay for, and for how long?

TDI says many home, renters and condo policies pay extra living costs. This is when a covered loss means you can't live in your home while it is repaired [1]. Extra costs are things you wouldn't pay at home, like hotel bills, eating out, laundry or renting an apartment [1]. The company pays back the reasonable amount you spend, up to the limit on your declarations page [1].

Most policies pay 10-20% of what the house is insured for. They usually pay for up to 12 months, or until you use that amount [1]. The cost must come from a loss your policy covers. If you leave only because of a power outage, and the home wasn't damaged, the policy won't pay [1]. Most policies don't cover flood damage, and NFIP flood policies don't pay for these costs [1].

Open TDI, When do policies pay for additional living expenses?, at https://www.tdi.texas.gov/tips/additional-living-expenses.html and read the part quoted above. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.