Tornado Damage and loss of use Insurance Claims??

[Chuck H.]

The tornadoes missed all of my properties down here in Dallas, but it got me thinking... If the damage takes off the roof, one of the walls or something and makes the property unlivable. Who pays for what?

I get loss of use with my rental policies. Pays up to like 20% of the replacement cost or something. So I am covered for my lost rent - Great. But, what about my tenants, I obviously don't charge them rent (already getting paid by insurance company). If they don't stay with family -- I assume THEY would pay for a hotel. What about utilities or other misc expenses not covered in the insurance claim?

I warn all my tenants that my insurance covers the property, not the contents. I make it clear they should get renter's insurance. Just curious how all this works out with tenants..anyone had a major fire, tornado, or other loss of use claim?

I would like to think everything will run smoothly and you end up with an updated home, new roof, happy tenants, and everyone is excited. Is this your experience??