What do I do if
Carrier denied ALE because I'm staying with family.
Carriers sometimes argue no ALE applies if housing is free.
Carrier denied ALE because I'm staying with family.
Root cause
Why this happens
Carriers sometimes argue no ALE applies if housing is free.
Know the law
Your rights as a Florida policyholder
ALE covers increased living costs, not just paid lodging. Other costs still apply.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Document all incremental costs (food, transportation, storage)
- 02
Step 2
Submit itemized expenses
- 03
Step 3
Reference policy language on increased-costs definition
- 04
Step 4
Dispute denial with specific cost categories
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier denied HVAC replacement citing age.
Some policies age-restrict HVAC coverage.
Carrier authorized partial flooring replacement that doesn't match.
Matching issues with tile, hardwood, vinyl.
Carrier denied debris removal charges.
Debris removal coverage has specific limits and conditions.
Personal property settlement was far less than replacement cost.
Depreciation and undervaluation common with flat offers.
Attic damage not included in carrier scope.
Attic access is often skipped in cursory inspections.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Common problems.
See also
Other common problems
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Claim review board escalation process (variant 2).
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Request for adjuster inspection report (variant 3).
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Hurricane deductible applied multiple times in one season.
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My carrier denied my roof claim because the roof is too old.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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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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