<prompt> Human: My house was totally destroyed after an earthquake broke a water main and the resultant flooding caused a fire to start. Hotel rooms have come out of pocket even though the policy includes loss of use and we were told coverage may not apply. Am I just screwed? Is the bank going to demand immediate repayment of the rest of the mortgage?  <response>: You never know until the result comes back. This is a big enough deal that a bad result means you should hire a lawyer instead of redditors; it is in the details of the policy and the inspection of the property. 