Time-element claims result from the inability to put damaged covered property to its normal use. Two of the best-known types of time element insurance are business interruption and additional living expenses coverage. For business owners, time-element insurance covers loss of earning or income while the business operations are interrupted or delayed due to a loss to covered property. For homeowners, it will provide coverage for all expenses incurred that are additional to or in excess of the normal cost of living during repairs or replacement of the covered property. In either event, the amount of the time-element coverage obtainable will depend on how long it takes to repair or replace the damaged property and/or coverage time and amount available limits.