Most insurance policies cover additional living expenses (ALE) and rental costs while your house is being restored if it becomes uninhabitable. Additionally, keep in mind that your insurance coverage entitles you to housing comparable to your current residence. But be sure to record every transaction on a credit card so you can show the claims department of your insurance company the documentation.
So if you live in a three-story house and your house is not livable, your insurer should provide you with something similar.