The Broussard's home was damaged in a fire, forcing them to stay at a nearby hotel for two weeks while repairs were being done. Due to the circumstances, they ate out every day, doubling the amount they would normally spend on food at home during a two-week period to $400. When the Mr. Broussard filed a claim for damages under his HO-3, he included the $400 cost of eating out as an expense resulting from the fire.

How will the insurer respond to this claim for food?