How would Miriam's tenant insurance respond to her claim after a fire caused by a lightning strike?

Miriam's tenant insurance would appropriately respond by indemnifying her for her loss of contents and any additional living expenses incurred due to the fire caused by a lightning strike. Tenant insurance typically includes coverage for personal belongings within the rented property, such as furniture, electronics, and clothing, that were damaged or destroyed by the fire. Additionally, it often covers additional living expenses if the rented space becomes uninhabitable due to a covered peril, like a fire, providing funds for temporary housing and related costs.

This makes the response both comprehensive and supportive of Miriam's needs in the event of a significant loss. In contrast, coverage that focuses solely on the loss of the building does not apply in this scenario, since as a tenant, Miriam is not responsible for the building itself. Temporary housing coverage alone would not account for the loss of personal property. A denial of the claim would not align with the typical protections offered under tenant insurance for such incidents.