How to Get Your Insurance Company to Cover the Full Cost of Temporary Housing

Feb 14

2 min read

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Maximizing Your ALE Benefits for a Stress-Free Stay

When a disaster forces you out of your home, your insurance policy’s Additional Living Expenses (ALE) coverage should pay for temporary housing. However, many policyholders don’t receive the full benefits they’re entitled to—or worse, their insurer pushes them toward short-term hotel stays instead of a proper home.

At Hestia360, we help displaced families secure the housing they deserve. Here’s how to ensure your insurance company fully covers your temporary home.

1. Understand Your ALE Coverage

Most homeowners’ insurance policies include ALE coverage to pay for temporary housing when your home is uninhabitable due to a covered loss.

What’s typically covered?

Rent for a comparable home
Utilities, internet, and relocation costs
Meal expenses (if a full kitchen is unavailable)

Hestia360 specializes in insurance-approved rentals, ensuring families get the space they need while insurance covers the cost.

2. Request a Comparable Home, Not Just a Hotel

Insurance adjusters often suggest hotels because they seem like a cheaper option. However, long-term hotel stays can be more expensive over time and may not meet your needs.

How to make your case:

A comparable home is a more cost-effective and comfortable solution, particularly for families with children, pets, or remote work requirements.

Hestia360 provides fully furnished homes that meet or exceed insurance requirements, ensuring a seamless transition.

3. Keep Detailed Expense Records

If your insurance company delays payments, maintaining thorough documentation of expenses—such as hotel bills, meals, and transportation costs—will strengthen your claim and help secure reimbursement.

4. Work with a Temporary Housing Provider Experienced in Insurance

Navigating insurance claims can be overwhelming. Hestia360 manages the entire process, from negotiating with insurers to handling direct billing, so you receive the full benefits without unnecessary stress.