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)
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.