if these folks had a homeowner insurance policy, one of the included coverages is additional living expense. It also has contents coverage which would cover the loss of clothing among other things.
On many occassions, I have inspected a fire damaged or destroyed home within 24 hours of the fire and written an advance payment check on the spot to cover some of the Insured's loss while the balance of the claim is adjusted.
Carrying a wad of cash around; I don't think that's ever been done by any insurance carrier. Issuing advance payments, that happens every day.
Sometimes it's better to remain silent and appear unintelligent then to speak and remove all doubt. You might follow that advice.
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