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Ocean Point Claims:what is loss of use coverage

What is Loss of Use (ALE) coverage in Florida?

Loss of Use, also called Additional Living Expense (ALE), pays the increase in cost of living when a covered loss makes your home uninhabitable.
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Reviewed by Eli Goins, FL DFS License #P159790 · Last updated
By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read

Short answer: Loss of Use, also called Additional Living Expense or ALE, pays the increase in your cost of living when a covered loss makes your home uninhabitable. It covers hotel or rental housing, meals above your normal food cost, pet boarding, and increased commute. Keep receipts, because carriers commonly audit and deny undocumented claims.

What it covers

  • Hotel / temporary rental
  • Meals above your normal food cost
  • Pet boarding
  • Increased commute costs
  • Laundry / storage

What it does not cover

  • Your normal monthly expenses (mortgage, utilities you'd pay anyway)
  • Voluntary displacement (home is habitable but you choose to leave)
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Limits and duration

Most Florida policies express ALE as a percentage of dwelling coverage (commonly 10-20%) or as a 12- to 24-month duration cap, whichever comes first.

Documentation

Keep receipts for every ALE expense. Carriers commonly audit and will not pay undocumented claims.

Frequently asked questions

What expenses does ALE cover when my Florida home is uninhabitable?
Additional Living Expense (ALE) pays the increase in your cost of living after a covered loss leaves the home uninhabitable. Covered costs commonly include a hotel or temporary rental, meals above your normal food spending, pet boarding, a longer commute, and laundry or storage. It reimburses the extra amount, not your entire new bill.
What are additional living expenses, and are my normal monthly bills included?
Additional living expenses are the added costs you incur because a covered loss made your home uninhabitable. They do not include your normal monthly expenses, like the mortgage or utilities you would pay anyway. ALE also will not cover voluntary displacement, meaning the home is still habitable but you choose to leave. Only the genuine increase qualifies.
How much ALE coverage do Florida policies provide and for how long?
Most Florida policies state ALE as a percentage of your dwelling coverage, commonly 10 to 20%, or as a 12- to 24-month duration cap, whichever limit you hit first. Keep receipts for every ALE expense, because carriers commonly audit these claims and will not pay costs you cannot document.

Related

Reviewed by Eli Goins, FL DFS License #P159790 · Last updated

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