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Understanding Loss of Use Coverage
If your home is uninhabitable and you have to temporarily relocate after a covered loss, your homeowners’ policy may reimburse you for any resulting increases in your normal day-to-day living expenses.
If your policy provides Loss of Use coverage, your Travelers policy will reimburse you for Additional Living Expenses (ALE) for the period of time reasonably required to make your home habitable again. This time period is commonly referred to as the “period of restoration.”
ALE only covers the additional, reasonable costs above what you or your family would ordinarily spend. It does not include excessive expenses beyond the normal standard of living maintained before the loss.
Additionally, Travelers can provide support services to help make it easier for you to relocate during the period of time when your home is uninhabitable. For example, if you need assistance with making temporary living arrangements, Travelers can provide names of housing companies that provide this service. These companies are not affiliated with Travelers, and you are not required to use them.
Calculating your ALE payment
Here is an example of how an ALE payment could be calculated when a covered customer has increased living expenses due to temporary living arrangements and eating out at restaurants. In this circumstance, rental and dining out expenses would increase, but grocery expenses would decrease. In this instance, here is how the ALE may be calculated.
This case study is for illustrative purposes only. Your individual case may vary.
Living Expenses Pre-fire
Living Expenses Post-fire
Estimated ALE Payments to You*
$200 a week on groceries and dining out
$250 a week on groceries and dining out
Submitting an ALE Reimbursement Request
Your ALE coverage applies only to incurred expenses. This means that you must pay for the items or services before Travelers can reimburse you. ALE should be pre-approved by your Travelers Claim professional, except in the case of an emergency or extraordinary circumstance.
What you need to do:
- Talk to your Claim professional as soon as possible about your needs and develop a schedule for submitting your receipts.
- Save your receipts in chronological order. This will allow you and your Claim professional to easily reference them.
- Include a description of the expense on each receipt.
Once you have submitted your receipts and bills, your Claim professional will determine the ALE owed to you and issue payment.
* Many policies have a limit for ALE. Please work with your Travelers Claim professional and your contractor to determine the amount of time reasonably required to make your home habitable again; doing so will allow you to better manage your expenses.
Frequently asked questions about ALE
Travelers is paying for my ALE while my property is being rebuilt. Do I still have to pay my monthly mortgage payment?
Yes. If you have a mortgage on your property, it is your responsibility to continue making your monthly payment. Your mortgage payment is not covered under ALE.
My property has to be rebuilt and I've decided to include an addition to the structure. Will Travelers continue to pay for my ALE while the addition is being built?
No. You are free to make any upgrades you wish; however, we will pay for your ALE only during the period of time necessary to restore the original structure to habitable condition. Travelers will not pay for any additional ALE associated with the addition.
Does ALE include the expenses associated with my pet(s)?
Yes, to a certain extent. ALE does include keeping your pet(s) at a kennel or a veterinarian's office if your property is uninhabitable and you must stay in a nearby hotel or rental home that does not allow pets. On the other hand, if you relocate to a hotel or rental home that does allow pets, we will not pay for kenneling. ALE does not include any veterinarian bills or any other invoices for grooming or upkeep that may occur during this time.