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• repayment of a second or third mortgage; • cost for loans involving liens or judgments when failure to make the payment results in the loss of the household's shelter property; Example Mr. Powell was arrested and borrowed money for bail. As collateral for the loan, he used his home. Since failure to pay the loan, including interest, would result in the loss of the household's shelter, payments on the bail loan are allowable as shelter costs. • property taxes, state and local assessments, and insurance on the structure, but not separate charges on the contents such as furniture, clothing, and personal belongings; If the cost of insurance includes coverage on both the structure and contents, the entire charge may be deducted. • Charges for repair of a home which was substantially damaged or destroyed due to a natural disaster such as fire or flood; These expenses, however, cannot be allowed if the group has been or will be reimbursed by any source, such as an insurance company. • Shelter costs associated with an unoccupied home, including homes in another state, temporarily unoccupied by the FS group due to employment or training away from home, illness, or abandonment caused by a natural disaster or casualty loss. All shelter expenses listed in this section incurred on a temporarily unoccupied home can be counted as a shelter expense and used when calculating the group's excess shelter deduction provided: o the FS group intends to return to the home; o the current occupants of the home, if any, are not claiming shelter costs on that home for FS purposes; and o the home is not being leased or rented to others during the FS group's absence. Households cannot receive credit for utility expenses for unoccupied homes, when they also receive credit for utility costs for the residence they presently occupy. • Heating/Cooling and Other Utility Costs. This includes the cost of heating and cooking fuel, cooling and electricity, water and sewage, garbage, and trash collecting fees (including purchase of special trash bags where required as a condition of pick-up), and fees charged by the utility providers for utility installation, excluding deposits. Mandatory Utility Allowance Households that are responsible for paying utilities will receive a mandatory allowance that is based on the types or number of utilities that they must pay. Households will receive one of the following utility allowances. Heating and Cooling Standard Utility Allowance (HCSUA)