The above does not say how much they will pay, full trip time or pro-rated, if either of the above conditions gets met, so the amount of payment is not clear from this.
I’d be shocked if insurance pays anything after access is opened up. We drove down last Sunday and had to leave Monday. I fully expect our insurance will not pay us for the whole week but rather 6/7 of what we spent.
It depends on the terms. Read your policy. Mine states under both the interruption and cancellation sections:
* "Mandatory evacuation ordered by local authorities at the Insured’s scheduled destination due to hurricane or other
* "The unit on the Insured’s scheduled arrival date or during the course of the Insured’s Trip becomes inaccessible for
48 consecutive hours at the direction of local authorities due to closure of local roadways or local municipality as a
result of fire, flood, volcano, earthquake hurricane or other natural disaster."