<prompt> Human: This morning a tree fell through my house crushing our master bedroom, bathroom, and another bedroom. Although half the house is fine, its not structurally sound and its not livable. The immediate and Im hoping temporary solution weve gotten for living is our insurance put my family of 4 and two dogs in a 2 bedroom residence inn. We all work different and strange hours and to be honest well probably eat each other alive in this small and inconvenient a space all bathrooms are located within bedrooms and people have to wake each other up to get ready, and someone has to be home every few hours to walk the dogs Im guessing the house remodel will take months and I want to know if insurance keeps people in these residence inns or do we eventually get an actual house property to rent while our home is repaired? I live in San Diego California. 2 of my family members were in the house when it happened and are very lucky to be alive. Were all just relieved and thankful for our safety and our pets. We live in a place where theft is common so we rented a haul truck and took out personal valuables and items we care about. We dont have much theft to worry about before the tree is removed, but once it is, our house will be half open. I put notes on our fences and house that tell people we are okay and to discourage anyone from trying to rescue anyone and get hurt liability. If anyone has any know how or advice or things to be careful of or any useful information about this sort of thing please do so, we have our whole house, possessions and life savings at stake and want to do it right. Ive called our homeowners insurance and filed a claim, will know more when its not the weekend and I hear back from the claims adjuster.The tree was immediately next to the road our house is located just off the road so Im guessing its considered the Countys tree. It is a healthy tree that we had looked at several times by tree trimmers and were told it was okay. We have many large oaks and pines and keep them regularly trimmed for fire and house safety. There has been no wind the past weeks either. The only reason we can think of as to why it fell is our neighbor installed a brand new very large and deep septic system in the ground 15 feet away from the pine tree that fell. Maybe the roots were cut and it lost its stability?Tldr; tree fell through house, filed claim, need advice  <response>: Hi I am a claims adjuster. I want to let you know that this is a very fixable problem. Your policy provides for you to maintain your current standard of living under Coverage D additional living expenses. Keep in mind, however, of what your limit for that is. If you have say, only 12k in coverage, and are projected to be out of the home for 6 months, costs and making sure coverage doesnt run out will be more important perhaps than comfort. It is likely you have ALOT of coverage and thus, you just need to call the adjuster and tell them you need a short term rental and need it furnished. If you dont squeek they wont know anything is wrong. Its not a money saving tactic, its that we cant know youre uncomfortable unless you make it known. Good luck! 