We are involved in a claim with an adjuster from Nationwide on a water loss. The insured was put in a hotel a considerable distance from the home. Insured put together a very detailed log of milage. The carrier is refusing to pay anything but .22 cents a mile (medical/moving rate) for those miles and is limiting to one round trip a day. The insured has animals at the loss location as well as a child in school and has often (if not daily) had to make more than one trip. Can they limit the miles driven or "choose" which rate they want to pay?

Please see our request and carries response below: Item number 4 of our communication – Mileage documentation for dates to the end of December have been submitted as attachments here as well. I am not certain where you have come up with the figure on you estimate of 1/13/23 (page 16 item #124) but the insured is not in agreement with your calculation nor the rate of 22 cents per mile. For most of 2022 the rate was .58.5 and for the last 6 months of the year (7/1-12/31) the Federal rate saw an increase to 62.5 cents per mile. Please reimburse as submitted or provide explanation and policy language as to your calculations.

CARRIER RESPONSE: The policy states: 1. Additional Living Expense If a loss covered under Section I makes that part of the "residence premises" where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.