Have you ever felt overwhelmed and thought, “How am I going to pay for all of this?” If you have an open homeowner’s insurance claim you could actually get money back on certain expenses. These expenses are called Additional Living Expenses.
Additional Living Expenses are the increased living expenses incurred by you and your family to maintain your normal standard of living while your home is not livable.
These expenses can include rood, rent, mileage, storage, and pet care to name a few.
FOOD
If you and your family are displaced from your home and staying in a hotel that does not have a full kitchen like your house, you are owed for the meal expenses until you are able to have a full kitchen again.
RENT
If you have a mortgage and your home is unhabitable due to the damages, you are owed an amount to rent a home that is comparable to yours. Rental furniture and appliances are also covered under Additional Living Expenses.
MILEAGE
During the time you are displaced from your home, you are owed for any additional miles you and your family are traveling. Let’s say it is normally 10 miles to get to work but now that you are staying at a different location you are now driving 15 miles, your insurance company owes for the additional 5 miles.
STORAGE
If you need to rent a storage unit to store your belongings until the repairs are complete, you are owed for that.
PET CARE
If you must board your pets during the time your home is unhabitable, you guessed it, you are owed for that too.
Additional Living Expenses is its own coverage in the policy that helps protect you, your family, and your checkbook. Be sure to check with your public adjuster to know if you’re covered.
