Loss of rents from water damage

[Dina Morrison]

I rent out an 1100 sq ft single family home which sustained significant water damage to the kitchen in November from leaky plumbing. Mitigation is complete and reconstruction--whole house flooring (because of open plan), and in the kitchen, countertops, drywall, plumbing, paint, and cabinets--is about to begin and is scheduled to take about 3 weeks. My tenant has been dealing with a mess, noise, inconvenience and heating a cold house since the dry wall got pulled out in November. He wants to rent an Air bnb for the construction phase and to not have to pay me rent, but my insurance agent says that the house will be inhabitable during construction so I am not entitled to loss of rent. Does this seem right? Do I have to give the tenant a deserved rent break out of my own pocket? Or how would you veteran landlords handle this? Thanks for your help.