By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Yes. Florida ALE, or Additional Living Expense, coverage is reimbursement-based, so you must document every expense you claim. Keep receipts for hotels or rentals, the increase in restaurant and grocery costs, pet boarding, laundry, storage, and increased commute mileage. ALE pays only the increase in your cost of living, and 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.
Log method
A daily log with receipts attached is the gold standard. Carriers will audit ALE aggressively.