Under an HO-3 policy, how much will Sam receive under Coverage D - Loss of Use after evacuation from rising flood waters?

Under an HO-3 policy, Coverage D – Loss of Use benefits are designed to assist policyholders with additional living expenses when their home is uninhabitable due to a covered peril. However, it's crucial to note that an HO-3 policy typically covers perils related to property damage due to events such as fire, theft, or windstorm, but it specifically excludes damage caused by flooding.

Since the question specifies that Sam is evacuating due to rising floodwaters, this scenario falls under the exclusion in the HO-3 policy regarding flood-related incidents. Therefore, Sam would not receive any compensation under Coverage D for the loss of use of his home when the reason for evacuation is flooding. This reinforces the importance of understanding the specific coverages and exclusions associated with different types of insurance policies, such as the distinctions between flood insurance and standard homeowners insurance.