What happens if civil authority prohibits use of insured property?

When a civil authority imposes restrictions that prevent the use of insured property, it typically triggers specific provisions in property insurance policies. In such cases, coverage for business interruption or additional living expenses is often limited to a predetermined timeframe stated in the policy.

This means the insurance company will provide assistance for the losses incurred during the period the civil authority's action is in effect but will not continue to compensate indefinitely. This limitation ensures that the insured is supported only for a reasonable time frame, allowing them to recover and resume normal operations once the prohibitive measures are lifted.

In contrast, other options present scenarios that go beyond standard practices in insurance policies. Doubling payments, permanently revoking payments, or continuing payments indefinitely do not align with the typical coverage terms found in property insurance regarding civil authority actions. Hence, the correct understanding of insurance coverage in this context is reflected by the limited payments for a specific, stated period.