Don’t feel like you have to keep your family of three in a hotel room for six months. You’re entitled to stay somewhere that is comparable to your standard of living. If your commute to work is significantly longer, you could get reimbursement for the mileage. If your temporary rental home has higher utility costs than you’re used to, ALE can cover the difference. Like in Beach’s case, your insurer could reimburse you for restaurant bills if you find yourself without a kitchen and now you’re eating out every day. Put simply, ALE pays for costs you wouldn’t have if disaster hadn’t struck your home, such as paying for a hotel. When it comes to claims for additional living expenses, the keyword is “additional.”Īdditional living expenses pays for the difference between your normal monthly expenses and the new expenses you have due to unexpected displacement. Always contact your insurance company as soon as possible to get claim approval before you start assuming you have coverage for those extra costs. It depends on your insurer and the claim circumstances. There isn’t a one-size-fits-all answer when it comes to determining if the home is uninhabitable. The insurance company would most likely deny your claim for ALE. It might cause major damage, but if you still have running water, electricity, functioning bathrooms, and the rest of the home is fine. In addition to only covering events listed in your insurance policy, you can only claim ALE if your home is uninhabitable.įor example, say a tree crashes through the corner of your home.
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