Additional Living Expenses

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 17, 2016

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Insurance Question from Mount Airy, MD

Asked on 02/17/2016

Additional Living Expenses If I paid more in my house (destroyed by fire) for gas & Electric then I do in my rented apartment does the difference in cost get deducted from other expenses before determining the total additional living expenses I am entitled to or is this coverage determined on an individual basis.

Answer given on March 16, 2016

Additional Living Expense coverage under the homeowner insurance policy provides you with monetary reimbursement for any ADDITIONAL expenses you incur while waiting for settlement or the rebuilding of the home that was damaged. There is usually a dollar limit, a time limit or both on this coverage.An example of additional expenses would be rent on a temporary place of living if you have to continue to pay your mortgage. You might also be reimbursed if you have to rent a storage place for your things. It does not cover utilities or food since these are things you would have to pay anyway. Since the house was destroyed, there should be no utility bill for the location so what you are paying at the apartment is a part of living there. Talk to your adjuster about the coverage and have them help you understand how this coverage will work for you and for how long or up to what dollar amount.

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