I have been recently required to vacate my residence due to flooding. The ceilings, floors and fittings need to be removed from the bathroom, kitchen and hallway, rendering the property uninhabitable until the work is complete. I have a lodger that rents a room from me that has also had to vacate the premises. Obviously, for the period of time we re not able to use the property, I would feel uncomfortable to charge rent. Would it be possible to class this loss of rent payment on my insurance claim as a loss of earnings due to the water damage and work required?
I am a UK resident living in Scotland.