Experienced Loss of Use Claim Lawyer in Hollywood, Florida
When you can no longer use your residence due to catastrophic damage, the last thing you need is to fight with your insurance company as you figure out where to live. If your insurance company denied your loss of use claim, EC Law Counsel could help.
With 11 years of experience in Florida insurance law, our dedicated staff at EC Law Counsel is at your service. Do not fight this battle alone. Speak to a Florida loss of use claim lawyer from our law firm today at 954-861-0833.
What Is Loss of Use Insurance?
Loss of use insurance is part of your home insurance policy, also known as additional living expenses (ALE). A loss of use insurance claim is made when you need to temporarily relocate and incur expenses such as hotel or rental expenses, storage costs for personal belongings, and additional expenses for meals and transportation while your home is being repaired or rebuilt. It also covers expenses when you must relocate because your home is uninhabitable due to damage. This coverage is only available for the period of time your residence remains uninhabitable, and you must file a claim with your insurance company to activate coverage.
It’s important to note that loss of use insurance coverage and the maximum amount of coverage varies from policy to policy, so it’s important to review your policy carefully and understand your coverage limits. Additionally, keep receipts and documentation for all additional living expenses incurred as these will be required to support your claim.
These policies generally cover these types of expenses:
- Alternative living expenses
- Additional living expenses (ALE)
- Fair rental value
- Meals
- Transportation
Insurance companies cap loss of use insurance claims. A loss of use claim lawyer at EC Law Counsel can assist you with your claim.
What Are Additional Living Expenses?
Alternative or additional living expenses cover expenses you incur due to your home being uninhabitable. Practically, this applies to any reasonable new or additional expenses, including:
- Moving expenses
- Cost of hotels or rent
- Meals
- Laundry
Alternative living expenses will reimburse the total amount of any new costs, such as rent or hotel charges. However, it only covers the difference in recurring costs. For example, if you typically spend $250 a week on meals but now, because you are not at home, you spend $350 a week on meals, your reimbursement is $100, not $350.
Alternative living expenses are limited to reasonable expenses to maintain a consistent standard of living.
Fair Rental Value: If you rent out part of your home and a covered loss renders the rental unit uninhabitable, fair rental value coverage may provide compensation for the lost rental income.
Contact an Experienced Loss of Use Claim Lawyer in Florida
If your insurance company denied your loss of use claim, you need to hire an experienced loss of use claim lawyer. Our team at EC Law Counsel has over a decade of experience in Florida insurance law cases. Call us today at 954-861-0833 to discuss your situation.