The policy covers the necessary increase in living expenses incurred spent by you so that your household can maintain its normal standard of living. The payment will be for the shortest reasonable time required to repair or replace the damage. Keeping good records and as many receipts, invoices, or bills as possible will assist you in presenting all those expenses that qualify for coverage. You may receive payments during the claim adjustment based on estimated or expected additional living costs. Your documentation of the amount you spent will be used to reconcile those payments.