ALE (Additional Living Expenses) Services
No one plans for their home to become unsafe or uninhabitable, but when it does we’re here to help you figure out what’s next. Black Diamond helps families every day who are navigating the same questions you are: “Where will we sleep tonight? What does my policy even cover?” We’ll answer your questions, help you gather the right documents, and make sure you’re placed in housing that works for your life.
We grant families the temporary housing they’re entitled to.
Initial Consultation & Claim Guidance
Free ALE Consultation
We’ll explain your coverage and policy limits in simple terms, so you know exactly what to expect.
Policy Review & Breakdown
From temporary housing to meals and transportation, we help you understand what your insurance really covers.
Help with Documentation
We’ll guide you on what paperwork you need and help you gather everything to keep the claim process smooth.
Temporary Housing Solutions
If your policy includes ALE (Additional Living Expenses) coverage, we can help you secure the housing you need—fast. Whether you’re looking for a short-term hotel stay or long-term rental housing, we make the process simple and supportive.
- Short-Term Stays: Need something right away? We’ll set you up with hotel or Airbnb options that meet your immediate needs.
- Long-Term Housing: We’ll help you find a rental that fits your lifestyle—pet-friendly, close to your children’s school, near your workplace, and more.
As an added option, we can also help fund the cost of your temporary housing while you wait for payment from your insurance company—so you don’t have to put your life on hold.
Temporary RV Services
After a major weather event, timely access to housing is critical. Our RV deployment service offers a fast, temporary solution for displaced policyholders. Units are typically delivered within 72 hours, depending on local conditions. Every RV is equipped with essential supplies, such as water and bedding, to ensure immediate usability. We also assist with insurance coordination and provide flexible rental options, streamlining the recovery process from the start.
ALE Validation Reports for Public Adjusters
Our detailed reports provide comprehensive assessments of Additional Living Expenses (ALE) or Loss of Use claims, helping policyholders maximize their recovery and secure the funds they need to be fully covered once repairs begin.
ALE Expert Witness Services for Attorneys
In addition to providing detailed reports supporting coverage for Additional Living Expenses (ALE), our experts offer testimony and trial support to strengthen ALE-related claims. Their expert consultation and insights can be a critical asset in building a compelling case.
Do I Have Coverage in My Insurance Policy?
Unsure if your homeowner’s policy includes Additional Living Expense (ALE) coverage?
We’re here to help you figure it out.
Here's how to get starteD
1) Find your declaration page
Locate your homeowner's insurance declaration page for coverage details.
2) CHECK COVERAGE FOR “LOSS OF USE” OR “ADDITIONAL LIVING EXPENSES” VERBIAGE
On this page, look for "Coverage D - Loss of Use" that often includes Additional Living Expenses.
3) OPEN AN INSURANCE CLAIM
Begin a claim and get your claim number from your insurer.
4) CALL BLACK DIAMOND
Reach out to us directly for support. Your Public Adjuster or Lawyer can also contact us on your behalf.
If you are covered by your insurance carrier,
we can help maximize your coverage amount.
Frequently asked questions
What are Additional Living Expenses (ALE) in my insurance policy?
ALE covers the extra costs you incur when your home becomes uninhabitable due to a covered loss, like a fire or storm. This can include temporary housing, meals, laundry, transportation, and more while your home is being repaired.
How do I know if I qualify for ALE housing support?
If your home is deemed unsafe or unlivable due to a covered event (fire, water damage, hurricane, etc.), and your policy includes Coverage D (Loss of Use), you likely qualify. Our team can review your policy and walk you through the requirements to get you started quickly.
What types of temporary housing do you offer?
We offer a range of short- and long-term options, including hotels, rental homes, apartments, and RVs. We’ll work with your family’s needs and your policy to find a comfortable and safe living situation.
How long can I stay in temporary housing through ALE coverage?
It depends on the terms of your insurance policy and the estimated time for repairs. Some stays last just a few days, while others extend for months. We manage the process and communicate with your carrier to keep things running smoothly.
Do I have to pay upfront for temporary housing?
No. In most cases, we coordinate directly with your insurance company to handle payment, so you don’t have to cover costs out of pocket. We’ll help you gather the documentation needed and ensure coverage is applied correctly.
How fast can I be placed into temporary housing?
Our goal is to have you placed within 72 hours, depending on availability and local conditions. We understand time is critical, and our team moves quickly to secure housing so you can focus on what matters.