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Additional living expenses coverage9/12/2023 Most people do not realize that if their temporary home is farther from their work and school they have the right to claim the mileage incurred over the normal expenses that would be paid. One area that we help our clients to reap the awards of additional living expense is on is mileage under this coverage. they are actually doing the insurance company a favor even though you have paid premiums for this coverage. If your family member is trying to “do you a favor” by not charging. If you have insurance and the way to get Additional Living Expense payments is to incur the expense then you should make arrangements to do so. The only party that benefits from this type of arrangement is the insurance company. Hence, if a family member is letting you live in their home for free while you are rebuilding the home the insurance company is not responsible to pay. The second caveat is that the amount must be incurred. This is because you would have spent the $500, regardless of whether you had a loss or not. So, if you normally spend $500 a month on eating out and with your loss you are now spending $600, the insurance company only owes $100. ![]() The additional amount means the insurance company does not pay for your normal standard of living and also the additional amount you are spending. ![]() Second, the loss must actually be INCURRED. First, it is the ADDITIONAL amount an insured spends to maintain the normal standard of living. Additional living expenses (ALE) is the coverage under a homeowner’s, condominium owner’s, or renter’s insurance policy that covers the additional costs of living that the policyholder incurs if the loss temporarily displaces the insured from their place of residence. After a loss, most policies have coverage that provides additional living expenses to the insured.
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