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Ocean Point Claims Company
Ocean Point Claims:do i need receipts for ale
FAQ

Do I need receipts for ALE / Loss of Use?

Yes. Florida ALE (Additional Living Expense) coverage is reimbursement-based: you must document every expense you claim. Unreceipted amounts are typically denied.

What to keep

  • Hotel / rental receipts
  • Restaurant and grocery receipts (the increase over normal cost)
  • Pet boarding
  • Laundry
  • Storage unit
  • Increased commute mileage

How the math works

ALE pays the INCREASE in cost of living, not your full expenses. Your normal groceries are still yours; the extra restaurant cost is ALE.


Ocean Point Claims:what happens if my claim is denied unfairly

Log method

A daily log with receipts attached is the gold standard. Carriers will audit ALE aggressively.

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