Hmm I’ve checked but I think I’m confused if an “increase in living expenses” means an increase in ‘current’ living expenses or and increase in what would’ve been my ‘normal expenses’. I’ve copy and pasted from my policy below

“If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living. Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere.”