Written by Andy Gurczak

April 7, 2022

Making a Claim for Additional Living Expenses

If a fire, hurricane or other covered peril damages your home, you may have to leave your home while it is being repaired. In that case, you may have various extra expenses because of the fire, storm, etc. For instance, you may have to rent a home or stay at a hotel. You will also have to pay for meals. Additionally, you may have to buy clothes that the storm or fire destroyed. Under those circumstances, you will be making a claim for additional living expenses while your home is being repaired.

What Is an Additional Living Expense (ALE)?

When a windstorm or a tornado seriously damages your home, your homeowners’ insurance will cover the damages to your home and personal property. Likewise, renter insurance will cover storm damage to a renter’s property.

Unfortunately, if your home is uninhabitable, you may not live in your home while a contractor repairs your home. 

As a result, you may have to stay at a hotel or rent a house for your family. In addition, you may have to buy restaurant meals, incur travel expenses and expenses related to pet boarding. 

In addition, if the fire reached the bedrooms of your house, much, if not all, of your clothing may have been destroyed. 

As a result, you are now must buy new clothing for yourself and your family to replace the destroyed clothing. 

Consequently, it is important for homeowners who are going to make a claim for ALE expenses to keep their receipts. Of course, this means the receipts for hotel stays, meals, additional travel expenses and new clothing. 

However, under the terms of your additional living expense coverage, your home insurance company will reimburse you for those ALE expenses. 

How Much of My ALE Expenses Will be Covered?

Notably, insurance coverage for ALE expenses has limits. Typically, the coverage limit for ALE expenses is limited to 10 to 20% of the policy limits for dwelling coverage.

Notwithstanding the above, remember, the insurance company will cover ALE expenses over your ordinary expenses. For example, you have to eat every day, incurring food expenses. Therefore, don’t expect your insurance company to pay you 100% of your restaurant meal expenses-you were going to eat breakfast, lunch and dinner anyway. 

In that case, the adjuster may suggest you stay at a hotel in which the rooms have kitchens. In that way, you can justify to the adjuster (and him to his supervisor) why the insurance company should fully reimburse both your rent and your grocery bill. 

Likewise, if you must purchase new clothing, buying expensive clothing from top-of-line brands may raise eyebrows at the insurance adjuster’s office. 

Notwithstanding the above, your homeowners’’ insurance provides you coverage for ALEs that you would typically incur. Therefore, don’t be afraid to stand your ground if the insurance company adjuster is claiming your ALEs are above your standard of living. If you can show him they are well within the way you live do so. 

If You Need a Public Adjuster to Help you with Making a Claim for Additional Living Expenses, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.

We Can Help When You Are Making a Claim for Additional Living Expenses

Having a fire in your home or hurricane means you have already gone through a tumultuous event. However, prepare an accurate and complete record of your ALE expenses so that you get fully paid on that part of your claim. Consequently, preparing an accurate and complete list of ALE expenses can be time-consuming for a homeowner. 

Remember, you can keep your standard of living when your home is inhabitable. Indeed, your ALE insurance for a covered loss means your temporary home can be as comfortable as your damaged home before the fire. Moreover, your additional living expense lets you get the same products and services you enjoyed before the fire or storm. 

At AllCity Adjusting we work to ensure you get 100% of your claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Therefore, we help you build a larger claim, maximize your claim value, and get you back to normal fast.

Don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.


free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
public adjusting call support

Real Support When You Need It!

Should You Make Your Own Insurance Claim Repairs?

Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?

What Are Some Common Business Insurance Claims?

Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?

How Does Home Repair Insurance Work?

How Does Home Repair Insurance Work?

Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

commercial mold cleanup and restoration

commercial mold cleanup and restoration

If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now

All City Adjusting

All City Adjusting