REQUEST 4 MONTHS ALE

In California, if your home is a total loss during a Presidentially Declared Disaster, your insurer must give you a four-month advance of ALE (Additional Living Expenses) without requiring receipts.

Here’s how to get it. 

*This information has been checked for accuracy and non-bias 

by licensed professionals,
 experts and representatives from 

National 501c3’s. Consult with a 
licensed professional about your specific situation.

WHAT YOU NEED

TO KNOW

ALE is calculated based on the “fair rental value” of a comparable home.

  • You are allowed to rent a furnished home, which will factor into the cost and what your insurer will allow you to spend monthly

  • After the four-month advance, ongoing ALE payments will require documentation (receipts for rent, hotels, meals, etc.).

Because “fair rental value” is subjective, adjusters may underestimate it - especially if they’re out of state.

TIP:

Be sure to note whether you are looking for furnished or unfurnished rentals.