Insurance Claims for Additional Living Expenses 'ALE'

Have you suffered a property damage loss and is your home uninhabitable? Most Homeowner's Insurance policies carry coverage 'D' which would account for additional living expenses. 'ALE'  claimscan be confusion as to what it covers during your insurance claim. You're  homeowner’s insurance policy that provides Coverage D entitles you to receive a payment for your incurred expenses during this time. This would include eating out, a hotel stay, a temporary house/apartment rental and some other expenses you may not realize are covered.

This coverage also applies for rental properties as well. 

Additional Living Expense (ALE) coverage is usually part of insurance included within the homeowner's insurance policy. ALE will reimburse the insured policyholder for the cost of maintaining a comparable standard of living over your normal expenses.


For example, Additional Living Expense (ALE) insurance would cover an insured's hotel bill or temporary rental while damage to the home is being repaired or replaced.


In general, Additional Living Expense (ALE) coverage is subject to a limit equal to 30 percent of the dwelling limit under forms homeowners HO 2, HO 3, and HO 5 insurance policies.


Additional Living expenses 'ALE' is generally 10% of the dwelling limit of your insurance policy. 

Under a renters/tenants policy (HO 4), Additional Living expenses 'ALE' is usually 30% of the personal property limit.


Under the HO 6 insurance policy -  a condominium apartment or townhome - policy the usual limit of Additional Living Expenses is  50 % of your personal property limit.


We have been helping property owners since 1985, call us for a no-cost and nono-obligation consultation fo your specific homeowner's or commercial business damage Insurance claim.