E-Book

ALE Tracker Additional Living Expenses Worksheet

Additional living expenses add up fast when severe property damage forces you from your home. Use our free ALE Tracker to identify every eligible expense, record it as you go, and present an organized claim to your insurer so you recover every dollar you're owed.

Identify every out-of-pocket cost eligible for reimbursement
Track expenses as you incur them - day by day, dollar by dollar
Present an organized, itemized ALE claim your insurer can't dispute
Know what qualifies -and what doesn't - under your policу
100% free-no strings attached

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Expert's Guide To Getting The Most Out Of Your Property Insurance Claim

Everything policyholders need to know to manage their insurance claim like a pro — from first notice of loss through final settlement.

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What Qualifies

Expense Categories Covered By ALE

Your Policy Obligations After A Fire

Hotel or motel stays
Short-term apartment rental
Temporary furnished housing
Rent differential

Storage & Moving

Storage unit rental
Moving costs to temp housing
Moving costs back home
Packing supplies

Daily Living

Meals above normal costs
Laundry & dry cleaning
Pet boarding or kenneling
Parking fees

Transportation

Mileage above normal commute
Rental car if needed
Public transit costs
Rideshare expenses

How It Works

Three Steps To Recovering Every ALE Dollar

Identify Eligible Expenses

Use the tracker to identify every cost that qualifies for reimbursement under your policy — including many expenses policyholders commonly overlook.

Record As You Go

Log every expense the day you incur it. Save all receipts. Retroactive claims without receipts are far harder to prove — and often denied or reduced.

Present An Organized Claim

Submit a complete, itemized ALE claim with supporting receipts. An organized claim is harder to dispute and results in faster, fuller reimbursement.

Commonly Missed Expenses

ALE Expenses Policyholders Often Forget

Pet boarding or kennel fees while home is uninhabitable
Storage unit costs for displaced personal property
Rent differential if temp housing costs more than your mortgage
Extra mileage driven because of displacement from home
Laundry and dry cleaning costs you wouldn't normally incur
Internet and phone costs if your plan changes during displacement
Utility deposits for temporary housing
Extra meal costs — even small daily amounts add up over months

ALE is one of the most underutilized coverages in property insurance. Most policyholders either don't know what qualifies, don't track expenses carefully enough, or fail to present an organized claim. Every dollar you spend because of your displacement is potentially a covered expense — but only if you document it.

Your insurer will not remind you to track these expenses
Claims submitted without receipts are routinely reduced or denied
ALE coverage has time and dollar limits — know yours before you spend
Start tracking from the very first night you're displaced

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