Read Your Policy

7/8/2022 (Permalink)

Smoke & Fire Damage and Homeowners Insurance

Homeowners insurance policies typically provide comprehensive cover for fire damage and water damage, e.g. used to extinguish the fire. But what if it’s not safe to stay in your home while your claim is being processed?

Most homeowners insurance policies provide Additional Living Expense (ALE) coverage. It pays for things like a hotel room, restaurant bills, groceries, animal boarding, and other expenses you have to incur, in addition to your regular expenses, because of the damage caused by a covered event.

Make sure to read your homeowners insurance policy, or call your insurance company for more details on what you’re allowed and not allowed to claim for.