California E&S Insurance

My home was lost in a fire. My loss of use is 115K. Why do they ask for receipts (hotel, rent)? Is that 115K not a fixed payout? Am I shortchanging myself if I rent a cheap place during reconstruction? I found a place that I can rent for 3.5K per month. If it takes 2 years to rebuild, that's only 84K + my 2K in hotel stays. Am I shortchanging myself of 31K? One article claims that these types of fires get expidited. Homes are built in 4 to six months instead of up to 1 1/2 years before a shovel hits the ground. IF true, I might be shortchanging myself on quality of stay by a LOT.

{
  "thread_id": "114890",
  "thread_title": "Home lost in Palisades fire",
  "forum_section": "P&C Insurance Forum",
  "scrape_method": "firecrawl"
}