That sucks!
We had a bit of flooding in our house recently due to a leaky water line to our fridge. Hardwood floor warped and basement ceiling under the fridge collapsed.
Insurance has treated us really well. They got a recovery team in the same day to cut our wet ceiling and wet basement floor, then set up fans and dehumidifiers to dry things out. These are left running for three days. Over that time, the adjuster, a renovation company project manager and a flooring guy came out to assess damage and within a week we had a full estimate to repair the damage. I also repaired the leak with a couple hundred in parts. This was not covered - only damage due to the leak, not cause of leak, is covered in our policy.
We were then given a choice to have the reno company do the repairs, or to take the money and be responsible for the repairs ourselves. We are currently getting an estimate from another reno company and will decide when we get their estimate.
I think it will be up to your policy whether alternate living expenses are covered, and if so, to what degree. We will have to move out for 2-3 days when the floor gets refinished, but until then the house is livable so we are lucky in that sense.
Bottom line, insurance company will be able to answer all your questions. Good luck!
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