Additional Living Expenses Explained for Panhandle Flood Victims

If you live in the Pensacola, Destin, Gulf Breeze and Ft. Walton Beach area and your home was severely damaged by flood to the extent that it is uninhabitable, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you may incur such as food and temporary lodging.

Please keep in mind that this coverage is based on what you “incur” meaning you have to spend the money first before your insurance company will reimburse you. This is why it is a good idea to keep receipts for all transactions or keep all of your transactions on one credit card so you can easily print your statement out for your adjuster.

Additionally, your insurance company and/or adjuster may recommend that you go into their temporary housing program, which is usually an apartment-type setting or may be half the size of your damaged home. Please keep in mind that you are entitled to maintain the same standard of living you had prior to your loss. Do not be afraid to challenge your insurance carrier on this issue. There is no reason for you or your family to be uncomfortable in an already stressful situation. The claims settlement and restoration process is going to take longer than you may think so be sure you are adequately covered and comfortable in your temporary home. #PensacolaFlooding #DestinFlooding #FtWaltonFlooding #GulfBreezeFlooding #TampaFlooding

If you have questions regarding any property insurance related issues please call 800.321.4488 or contact a public adjuster to submit a question to one of our insurance claim experts. As always, the professional public insurance adjusters at Tutwiler and Associates are here to help with any questions you may have. Please visit www.PublicAdjuster.com to stay updated on the insurance claims process and tips for your insurance claim. 

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Tutwiler & Associates Public Adjusters, Inc.
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