There is a concept of payment for those that choose to continue to live in a property rather than claiming for alternative accommodation but this is really designed for those living without a kitchen or any working bathrooms etc not a balcony.
You could ask the insurer in relation to storage of the balcony items if they are saying it has to be clear.
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You could ask the insurer in relation to storage of the balcony items if they are saying it has to be clear.