Frequently asked questions.

Many homeowners insurance policies provide Additional Living Expenses (ALE), also called Loss of Use, when a covered loss makes your home uninhabitable. Available benefits, eligibility, limits and timeframes depend on your individual policy and the circumstances of your loss.

No. Start by giving us a call and we’ll figure it out together. Send us your policy or declarations page and your claim information, and we’ll review the policy language and help you understand what temporary housing benefits may be available under your policy.

Depending on your needs and available benefits, we could offer you a hotel for a few nights, a furnished apartment, an equipped trailer, a short or long term rental, or other temporary accommodations.

Yes. Tell us what matters to your everyday life: kids who need to stay near school, a dog that needs a backyard, staying close to work, a furnished home or accessibility needs. We’ll show you the available housing options and you choose the place.

We coordinate the temporary housing placement and the applicable documentation. Getting you into temporary housing isn’t necessarily the end of our involvement: as your housing needs evolve, our team can keep assisting with the housing process and documentation throughout your stay.

Call 866-688-0069 for an expedited request, or send us a message and our housing team will get back to you.

An online tool that reads your policy for you: upload your homeowners policy and our AI finds the exact Additional Living Expenses (Loss of Use) wording and the amounts stated in it, in seconds.

A PDF, JPEG or PNG of your policy, up to 32 MB and about 100 pages.

Your policy is used only to run the search and is not published anywhere.

No. The tool shows what your own policy document states; it does not interpret your policy or give insurance or claims advice. For help putting your ALE coverage to work, call Black Diamond at 866-688-0069.

Loss of Use / ALE coverage is often buried deep in a policy or worded in an unusual way, so that doesn’t necessarily mean you don’t have it. Black Diamond can help you take a closer look.

We primarily assist with Additional Living Expenses and Loss of Use cases, providing expert reports, testimony and temporary housing coordination when a covered loss renders a home uninhabitable.

Accurate, defensible calculations of temporary housing, living and displacement costs. Our experts handle both catastrophe (CAT) and daily ALE claims in-house for consistency and speed. More about ALE reports.

Yes. We specialize in complex claims and disputed cases, offering detailed analysis, strategy recommendations, and expert reporting to strengthen your case outcomes.

Yes. We assist with claim assessments, Law and Ordinance evaluations, and case strategy even before a lawsuit is filed, helping to strengthen negotiations and increase settlement potential.

Yes. Our consultants not only have extensive industry experience but are also available to serve as expert witnesses in court or deposition settings when required.

A Law and Ordinance report identifies required code upgrades or compliance costs related to property damage claims. This often-overlooked report can significantly increase claim values and is essential for full recovery under many policies.

Turnaround times vary based on the case complexity, but we prioritize urgent matters and can accommodate tight deadlines when needed.

Law firms have the option to pay upfront or work through our funding partner. Fees can be deferred and paid from the insured’s recovery after settlement, keeping your firm’s cash flow free during the case.

Black Diamond helps qualified contractors keep taking on work by purchasing approved invoices for up to 60% of the invoice amount, so you don’t have to wait for every pending insurance payment before moving on to the next job.

No. Black Diamond is not a bank, financial institution, or lending company, and its invoice purchasing services do not constitute a loan, extension of credit, or financing arrangement.

Qualified insurance-related invoices for shrink wrap, blue tarp, water mitigation, leak detection, moisture mapping, and other qualifying mitigation and temporary protection services. Have a job that isn’t listed? Send it to us and ask.

Proof of business, some pictures of your work, the invoices in question and completion documents.

Have one invoice? Send it. Have 100? Send them. Our team reviews each invoice currently pending payment from the insurance carrier, and you’ll receive an approval or denial for each job by email.

Yes. Send us the job information, documentation and photos, and we’ll let you know whether it can be pre-approved before you commit your crews. Any pre-approval is conditional and is not a binding commitment to purchase the invoice.

For approved invoice purchases, funds are released every Friday for completed submissions received by Tuesday at 12:00 PM, subject to final approval and required documentation.