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Loss of use and additional living expenses

Being displaced is expensive. Additional living expense coverage is meant to keep your household's standard of living steady while you rebuild, not to push you into whatever is cheapest.

Common ALE disputes

  • Benefits ended before repairs are finished
  • Temporary housing that doesn't fit your family, pets or work
  • Increased commuting, food and utility costs denied
  • Landlords' fair rental value claims undervalued

Protect your benefits

  • Keep every receipt and a simple monthly spending comparison
  • Ask for coverage decisions in writing
  • Track rebuild delays and who caused them
  • Respond to housing offers in writing, explaining why they do or don't work

Questions we hear

How long does ALE last?

That depends on the policy language and California law, which provides minimum time periods in some situations, particularly after declared disasters. Have your specific policy reviewed.

Case Results

Selected results

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Results obtained by Eric D. Townsend and Jacob B. Pyle.
Prior results do not guarantee a similar outcome. Results described on this site are examples of past matters and do not predict or guarantee the result of any future case. Every case is different and depends on its own facts and the law. Amounts shown are gross recoveries, before attorney’s fees and costs. Where shown, “carrier first offered/paid” is what the insurer had offered or paid before the client retained counsel. Client names and identifying details are omitted.

Tell us what happened. The review is free.

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