If a civil authority prohibits the use of a dwelling due to damage from a covered peril, how long will additional living expenses coverage apply?

Additional living expenses (ALE) coverage is designed to help insured individuals maintain their normal living situation if they cannot occupy their home due to damage from a covered peril. In Idaho, if a civil authority prohibits the use of a dwelling because it has been damaged by a covered event, the ALE coverage will typically apply for a specific duration defined in the policy.

In this context, the correct duration for ALE coverage when a civil authority restricts the use of the dwelling is two weeks. This time frame is significant because it provides the insured with a brief period to make temporary arrangements while addressing the impact of the civil authority's restrictions. This could include finding temporary housing or making necessary adjustments in their living situation.

The other options extend the timeframe beyond what the policy typically allows for ALE coverage in this scenario, making them inconsistent with the standard provisions found in most property insurance policies. The focus on two weeks specifically acknowledges the immediate need for assistance while balancing the expectations to resolve the underlying issues leading to the civil authority's action.