Glossary · coverage
Coverage D
Additional Living Expense.
Coverage D (Loss of Use / ALE) pays for increased living costs when your home is uninhabitable. Typically 10-20% of Coverage A.
In practice
Where you encounter "Coverage D" in Florida claims
Policyholders see "Coverage D" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Know these too
Related terms
Actual Cash Value
The depreciated value of damaged property.
Replacement Cost Value
The full cost to replace damaged property at current prices.
Hurricane Deductible
A percentage-based deductible for named hurricanes.
Coverage A
Dwelling coverage for the structure of your home.
Coverage B
Other Structures coverage.
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Where else this term matters
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Glossary
Related insurance terms
Examination Under Oath (EUO)
Related glossary entry: Examination Under Oath (EUO).
Contingent Liability
Related glossary entry: Contingent Liability.
Insurance Verification
Related glossary entry: Insurance Verification.
Underwriting
Related glossary entry: Underwriting.
Thermal Fogging
Related glossary entry: Thermal Fogging.
Coverage C
Related glossary entry: Coverage C.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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