The residential insurance policy coverage known "Additional Living Expense" (ALE) provides reimbursement for expenses that you incur as a result of a covered peril that are over and above your normal living expenses. Business owner policies can carry "business interruption" coverage (more on that next week). For example; Your home succumbs to fire or catastrophic hurricane damages.
You have to rent a place to stay (ALE) while your home is being re-built. You still have to pay your mortgage, But you also have to pay an additional amount of $$ to rent the place to stay (ALE). In addition, the place you're renting doesn't allow pets, and you have a family dog that nobody can take care of for you. You have to incur kennel charges (ALE) that you would not otherwise incur.
You had to stay at a hotel for 10 days (ALE) and eat out (ALE) while you were looking for a more permanent place to stay. Keep your receipts because any amount OVER your normal food expenditure is considered ALE and is reimbursable.
You have to rent a place to stay (ALE) while your home is being re-built. You still have to pay your mortgage, But you also have to pay an additional amount of $$ to rent the place to stay (ALE). In addition, the place you're renting doesn't allow pets, and you have a family dog that nobody can take care of for you. You have to incur kennel charges (ALE) that you would not otherwise incur.
You had to stay at a hotel for 10 days (ALE) and eat out (ALE) while you were looking for a more permanent place to stay. Keep your receipts because any amount OVER your normal food expenditure is considered ALE and is reimbursable.
Services
Property Insurance Claims Blog was created by Joseph Zevuloni, President and CEO of Zevuloni & Associates, PA.
As a licensed Public Adjuster, I speak the same language as the insurance companies, but work for you.
I've always loved a good challenge.
Insurance companies hire adjusters, engineers, field experts and attorneys to support their position - an unfair match against the policyholder.
Policyholders often stand alone to settle their claims against a fine-tuned machine.
I help insurance policyholders recover what they are due on their insurance claims, zealously advocate on behalf of the victims of hurricanes, floods, windstorms, water damage, fire damage and structural colappses.
As a licensed Public Adjuster, I speak the same language as the insurance companies, but work for you.
I've always loved a good challenge.
Insurance companies hire adjusters, engineers, field experts and attorneys to support their position - an unfair match against the policyholder.
Policyholders often stand alone to settle their claims against a fine-tuned machine.
I help insurance policyholders recover what they are due on their insurance claims, zealously advocate on behalf of the victims of hurricanes, floods, windstorms, water damage, fire damage and structural colappses.
Zevuloni & Associates, PA represent the interests of all property owners who have suffered an insured loss to their property.
We have designated licensed Public Adjusters specializing in home and apartment claims as well as in large losses with a particular focus on representing Condominium Associations and HOAs.
We represent our clients on a contingency fee basis.
This means we are paid for our services only if, and when, there is a recovery.
Our roster of clients exemplify a broad range of property owners, companies and businesses throughout South Florida.
We have designated licensed Public Adjusters specializing in home and apartment claims as well as in large losses with a particular focus on representing Condominium Associations and HOAs.
We represent our clients on a contingency fee basis.
This means we are paid for our services only if, and when, there is a recovery.
Our roster of clients exemplify a broad range of property owners, companies and businesses throughout South Florida.
Why should I hire a Public Adjuster when my insurance company has already assigned me an Adjuster?
A. Insurance company Adjusters are looking out for their insurance company.
When disaster strikes, you need an experienced and licensed Public Adjuster on your side, as your insurance company has their Adjusters working for them.
Public Adjusters work for the property owner or managing association.
They are backed by years of professional claims experience and will represent your claim to the insurance company.
A. Insurance company Adjusters are looking out for their insurance company.
When disaster strikes, you need an experienced and licensed Public Adjuster on your side, as your insurance company has their Adjusters working for them.
Public Adjusters work for the property owner or managing association.
They are backed by years of professional claims experience and will represent your claim to the insurance company.
Florida Association of Public Insurance Adjusters.
Our organization consists of members and associate members that have joined together for the express purpose of protecting the public and acting on their behalf as Consumer Advocates.
Windstorm Insurance Network, Inc. (WIND) is the only professional organization exclusively dedicated to educating its members on issues of significance to the insurance industry and related professional fields, arising from windstorms and wind-related natural disasters.
Our organization consists of members and associate members that have joined together for the express purpose of protecting the public and acting on their behalf as Consumer Advocates.
Windstorm Insurance Network, Inc. (WIND) is the only professional organization exclusively dedicated to educating its members on issues of significance to the insurance industry and related professional fields, arising from windstorms and wind-related natural disasters.
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