I live in the St. Louis area and we just had a huge storm. I was without power and had to stay in a hotel for four nights because I use a CPAP (not to mention the heat). My insurance place can't tell me if the hotel is covered. They said I just have to file a claim and see. I don't want to file a claim if it isn't covered because I don't want the strike against me. I do have other damage but it won't go much over my deductible. Anyone had any experience with this?