Luis lives in a small town where he works for the local school board. In February, Luis goes on vacation for three weeks. Before going on vacation, Luis had intended to make arrangements for a friend to check his house everyday, but he forgot. Unfortunately, while Luis is away, his house loses power and a large branch falls onto his roof, causing significant damage. The damage to the roof has made Luis' home unfit for occupancy during the winter months. He will have to find a new place to live while the roof is being repaired.

How will Luis' homeowners policy with Sticky Insurance address the following losses he experiences after this storm?

a. Currently, the only place available for Luis to stay is the bed and breakfast in town, but he is concerned about the costs of the room and the costs of having to eat out. (5 marks)

b. Luis has a large chest freezer that he had recently filled with supplies for a large upcoming family gathering. The supplies were special foods that he picked up in the city, which is a two-hour drive away. The food spoiled after several days without power. Explain how the freezer food extension covers this loss. (5 marks)

c. While the roof is being repaired, Luis' house catches fire and must be demolished. However, the cause of the fire is the negligence of the roofers. What is the basis of claim for this loss and how will the insurer respond? (5 marks)