Which situation would likely require homeowners to file a claim under loss of use coverage?

Loss of use coverage under a homeowners insurance policy is designed to provide financial assistance when the insured property becomes uninhabitable due to a covered peril. In situations where a home is damaged, such as by a fire or severe storm, and the residents cannot safely live in it, loss of use coverage comes into play. It compensates homeowners for additional living expenses incurred during the repair period or while seeking alternative housing.

The other scenarios presented do not relate to the necessity of filing a claim under loss of use coverage. For instance, repairing a leaking roof typically falls under property damage claims rather than loss of use. A decrease in home value doesn't directly result in the need for alternate housing, nor does theft of personal items; these situations may lead to different types of claims but not necessitate assistance for temporary housing while repairs are carried out.