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AdditionAl living ExpEnsE CovErAgE
Homeowner’s Insurance:
Additional Living Expenses –
The Insurer’s Ounce of Prevention†
Helen Johnson Alford
Gabrielle Reeves Pringle
i.
introduCtion
Additional Living Expenses are usually an insured’s primary concern following a
property loss and are generally the first dollars paid under the homeowner’s policy. The
standard Homeowner’s Insurance Policy provides for Additional Living Expenses (“ALE”),
1
under Coverage D – Loss of Use. Because ALE benefits cover the insured’s immediate and
critical needs for food and shelter following a substantial or total loss, the manner in which
the insurer handles the ALE claim sets the stage for resolution of all claims filed in con-
2
nection with the loss. Prompt and efficient dispatch of an ALE claim benefits both parties
and can be achieved only through the establishment of a good rapport between the insured
and insurer. Communication is vital to establishing this rapport. The insurer should make
certain that the insured fully understands both his benefits and his obligations under the ALE
provision of his policy. By taking time to explain the ALE benefits, the insurer reassures
the insured that it is there in his time of need. By clarifying the insured’s responsibilities
under the provision, the insurer deflects potential disputes when it asks the insured to verify
† Submitted by the authors on behalf of the FDCC Alternative Dispute Resolution Section.
1 A complete copy of Homeowners 3 ISO 2001 Coverage D – Loss of Use Form is attached hereto as
Appendix A.
2 One of
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