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A fire in an 18 unit apartment building (no negligence on the part of the landlord), shut the entire building down. The city put up the tenants for a period of time until they were able to find permanent housing and subsequently billed the landlord for the temporary housing expense and put a lien on the property in the amount of $20,801.16.

The policy pays for tenant moving of contents with a $10,000.00 limit, which was exceeded, but the insurance company denied coverage for the housing cost under the building section of the policy, as well as under extra expense.

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