After losing everything to a house fire,  Lemonade Insurance decides to disrupt their insured by not paying additional living expenses as incurred.   They also are still refusing to pay most of the loss and this family of 7-1 is living in an rv and building a home out of pocket.   The -1 is their oldest daughter who let dad talk her into moving in with him since her things hadn't been replaced.   This is too much for a veteran with 100% disability rating for ptsd to endure.   Christmas is almost here.   The kids just want the things they already had. But mom and dad want to put up a Christmas tree in a ready to move into home.