Additional Living Expenses Explained for Panhandle Flood Victims

by Charles R. Tutwiler on 5/11/2014

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.

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Policyholder Question: How Much Depreciation Should be Taken for a Driveway?

by Charles R. Tutwiler on 2/23/2014

Here is an insurance claim question that we answered as a contributing member of experts for United Policyholders who advocates for property owners.

Q. What, if any, should be acceptable ACV on a driveway and walkway on a personal residence? House was demolished by fire and working with adjuster on fair settlement value of these surfaces. Policy provides ACV.

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