I have had two recent scenarios that involve an increased water bill following a covered loss. In both cases we have substantial increased water usage due to the break in a pipe that is covered. We have always presented this increased water bill as a loss of use claim for increased living expenses as the water is a utility. It has always been paid in the past but recently we have had two denials of coverage for this increased cost. In both cases they are saying that the water falls under coverage C as personal property. Since there is an exclusion for water as personal property they are not covering the increased water bill. Again, we have always presented previous water usage and the increased usage and made claim for an increase in living expenses. What is your thought on this?