Tag Archives: Additional Living Expenses

My neighbor had coverage, so why was I denied?

A common theme I have noticed lately is the tendency of homeowners, having just weathered a major natural disaster, to compare their ability to recover insurance proceeds to that of their neighbors. Wondering if you can recover alternative living expenses? Curious to know if you can recover for your sewage back-up claim? Rather than looking … Continue Reading

California Wildfires Declared State of Emergency – How Does That Impact My Additional Living Expenses?

The buzz amongst policyholders about what insurance owe for additional living expenses due to the Northern California Wildfires is still going strong as Southern California braces this week for Santa Ana winds. With predicted gusts up to 70 mph, Southern Californians are in real danger of the potential for wildfires. Recently, I’ve received quite a … Continue Reading

What Are Your Temporary Housing and Additional Living Expenses Options Following a Devastating Property Loss In California?

We recently had a request for a blog topic discussing additional living expenses (“ALE”) options following the loss of a home and subsequent evacuation. Under many insurance policies, not only is your real and personal property covered, but you may be entitled to additional living expenses, meaning food and housing costs, relocation, storage, meals when … Continue Reading

What is the Date of Loss for Additional Living Expenses

In this unreported New York decision,1 Steven Hirth filed suit for breach of contract on a homeowner’s insurance policy after American Insurance Company (AIC) denied coverage for additional living expenses (ALE). On August 12, 2012 Hirth’s apartment sustained water damage when another apartment in his building had a water issue that damaged Mr. Hirth’s apartment … Continue Reading

Replacement Cost With Like Kind and Quality and ALE During Construction Awarded: Ambiguous Policy Language is Construed Against the Insurance Company

Most people understand that insurance policies are drafted by insurance companies. There is little to no negotiation of terms between a potential policyholder and the insurance company, so if language is ambiguous it is construed against the drafter—the insurance company. Below you will find details about a recent case out of the Western District of … Continue Reading

The Road to ALE, from Loss to Being Incurred, Part 2 – “Uninhabitable Conditions”

During the 15 to 30 seconds that my home rolled and shook on Sunday from the 3.5 earthquake centered in Baldwin Hills, California, I was prompted to think about the habitability or rather “uninhabitable conditions” I may encounter if the shaking got any worse or continued. Earthquakes are rather commonplace in California and thankfully this … Continue Reading

The Road to ALE, from Loss to Being Incurred, Part 1

On Thursday, March 26, 2015, The First Party Claim’s Conference West was held in Marina del Rey, California. At the conference, I was delighted to speak and present two topics for CE credits. My presentations were titled, “Additional Living Expenses – Getting ALE Covered – Does It Really Need To Be Incurred?” and “Documenting a File, … Continue Reading

When Is A Policyholder Eligible To Receive L&O And ALE Benefits?

Ordinance or law (“L&O”) coverage is “[c]overage for loss caused by enforcement of ordinances or laws regulating construction and repair of damaged buildings.”1 Additional living expense (“ALE”) coverage “reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured’s normal expenses prior to the loss.”2… Continue Reading

Navigating Payment Due to Policyholders for Additional Living Expenses – Part II

In my post last week, Navigating Payment Due to Policyholders for Additional Living Expenses, I discussed how difficult it can be for policyholders to receive funds from their insurance carriers for the costs associated with securing a temporary residence or other extra living expenses resulting from a covered loss. Public adjusters are often tasked with … Continue Reading