Loss of Use Coverage and How to Maximize It

If your home becomes uninhabitable due to a covered loss, loss of use (or additional living expenses, ALE) covers expenses like temporary housing, food, and transportation. Here’s how to maximize this benefit:

• Know Your Coverage Limit: ALE typically covers a percentage (e.g., 20-30%) of your dwelling limit. Check if you need to increase it, especially if rental costs are high in your area.
• Keep Receipts: Document all expenses incurred from living outside your home, such as hotel costs, restaurant bills, and gas receipts.
• Negotiate Temporary Housing: Look for cost-effective temporary housing options and communicate with your insurer to ensure they cover these expenses fully.