How much will Sam receive for hotel expenses under Coverage D - Loss of Use?

Coverage D, also known as Loss of Use, is part of an insurance policy that provides compensation for additional living expenses when a policyholder is temporarily unable to live in their home due to a covered peril. This could include hotel expenses, meals, and other costs necessary to maintain a standard of living while the home is being repaired or rebuilt.

In this particular scenario, if the answer indicates that Sam will receive $0 under Coverage D, it suggests that there are no qualifying conditions under which he is entitled to any payment for hotel expenses. This could be due to several factors, such as the nature of the loss not being covered, the absence of a claimable event that led to the need for hotel expenses, or perhaps a limit in the policy that has already been exceeded.

Additionally, it may indicate that the expenses incurred were not reasonable or necessary, or that the policy has exclusions that restrict the coverage for temporary housing. Understanding the specific terms of the policy and the situation Sam is in is crucial to determining his eligibility for these reimbursements under Coverage D.