Loss of Use: How to Get Paid for Hotels, Meals, and Temporary Housing After aDisaster
When disaster strikes, the damage isn’t always what you can see. For many families, the hardest part comes after — realizing their home is no longer livable.
At Disaster Pro, we work with homeowners every day who’ve been displaced by fire, water,
or storm damage. Most don’t realize their insurance policy may already include a benefit
called Additional Living Expenses (ALE) or Loss of Use coverage — designed to help you
stay safe, stable, and comfortable while your home is being repaired.
What “Loss of Use” Means
If your home becomes uninhabitable due to a covered event, your policy may pay for the
extra costs of living elsewhere, such as:
• Hotels or temporary housing
• Meals and basic necessities
• Laundry, transportation, or pet care
• Rent for a comparable home during long-term repairs
Loss of Use helps maintain your normal standard of living — not to profit, but to ease your
recovery.
Common Issues
Carriers often interpret “reasonable expenses” narrowly, delaying or denying reimbursements.
Our team helps ensure every legitimate cost — from hotel stays to extra meals — is properly
documented and paid.
Quick Tips
1. Notify your carrier immediately if your home is unsafe.
2. Save every receipt — hotels, meals, gas, laundry, pet care.
3. Track normal vs. temporary expenses to show added costs.
4. Ask for written approval before signing long-term housing agreements.
5. Stay organized — it speeds up reimbursement.
How Disaster Pro Helps
We guide homeowners through the Loss of Use process step-by-step:
• Verifying ALE coverage under your policy
• Documenting and submitting reimbursable costs
• Communicating directly with your carrier
• Helping families regain stability and peace of mind
Final Takeaway
If your home is uninhabitable after a fire, flood, or storm, don’t face it alone. Loss of Use
coverage exists to keep you safe and supported while you rebuild.
Disaster Pro — helping families recover with clarity, care, and confidence.
