Which term describes the situation when an insured cannot use their property due to damage?

The situation described in the question pertains to the inability of the insured to use their property due to damage, which is best categorized as an indirect loss. Indirect losses, also referred to as consequential losses, arise when damage to a property results in a decrease in its utility or income-generating capability. For example, if a business suffers damage to its premises and is unable to operate as a result, the loss of income during the repair period would be considered an indirect loss.

This contrasts with direct loss, which involves the physical damage to the property itself. Direct losses are usually associated with the costs of repair or replacement of the damaged property. Supplemental loss and accumulated loss are not standard terms widely recognized in insurance contexts, making the concept of indirect loss the most appropriate choice for this scenario.