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Coverage for dwelling expenses would pay for lodging if your room have been now not habitable. For instance, that aforementioned ice chunk left a large sufficient hole for pigeons to fly into your room. This is a health hazard because of pigeon droppings. (Not to mention that the aforementioned Rottweiler will go away pigeon items everywhere in the room, which is also a well being hazard.) You need a unique place to remain while they’re repairing the roof.