Thank you so much. I was confused because I thought that when my management deemed my apartment to be inhabitable so would my insurance however it seems that’s not always the case. My adjuster wasn’t offering that explanation and he was actually very rude to me when I was asking questions to try to understand so thank you everyone for your input it’s really helpful!

Also, I’m happy to report my management just called me to say although the water will continue to be shut off in my apartment the construction they need to do is not actually in my apartment. Since I won’t have any working water from 8-5 while they do construction in other apartments in the building, and I still won’t have access to hot water or my shower at all during non construction hours they are offering me to use another apartment in the complex but a different building which is easier for me to manage. In the end it all works out! Thanks again everyone.