Understanding Loss of Use Coverage for Temporary Housing
If your home is uninhabitable due to a disaster, your homeowner's insurance policy likely pays for additional housing. We help you activate it!
What Insurance Covers
Additional Living Expense (ALE) or Loss of Use coverage, a standard feature in most homeowners’ insurance policies, reimburses policyholders and/or pays for extra living costs when their home becomes unlivable due to a covered event. Coverage typically allows for 20% or more of your total dwelling value toward ALE. This includes:
- Additional meal costs beyond normal groceries
- Increased transportation expenses for commuting
- Temporary housing costs
We guide insurance adjusters and homeowners through the process, ensuring compliance with policy terms and maximizing claim efficiency. Advocating for your family's needs should be top priority and that may not always include the default housing option that is presented.
Disasters We Help With
Our service is optimized for rapid response to a variety of scenarios to ensure policyholders maintain their standard of living immediately, including:
Fire
A house fire is the most common form of day to day residential displacement. While damage is typically localized to a single residence, reconstruction can take anywhere from a few weeks to several months.
We can provide temporary housing throughout the timeline right on your property.
Wind
Tornadoes and hurricanes make up nearly 45% of home displacements in the U.S., with devastating effects to the surrounding area. As a result, the need for housing can be very high but inventory can be quite low, making it difficult to obtain.
We can deliver temporary housing anywhere that is safe and convenient during reconstruction.
Water
Flooding affects 1 in 60 insured homes, but 98% of basements in the U.S. will experience some water damage. Either can result in reconstruction and/or mold remediation to the affected residence.
We can provide temporary housing on or off-site depending on the needs and scope of displacement.
What Insurers Require
- Familiar ALE documentation process
- Clear pricing, clean invoicing and term flexibility & transparency
- Direct adjuster communication
- Viable on-site alternative to hotels and STR property scarcity