LOUISIANA LEGAL SERVICES
Key Services /
Temporary Housing
Living Expenses
Displacement Costs
ALE Disputes
When Your Home Is Unlivable, Your Insurance Should Help Cover the Cost of Living Elsewhere
After a hurricane, fire, or major property loss, you may be unable to safely remain in your home while repairs are being completed.
Additional Living Expenses, commonly called ALE, are intended to help cover the extra costs you incur while temporarily displaced.
Unfortunately, insurance companies may delay reimbursements, limit benefits, dispute necessary expenses, or stop payments before repairs are complete.
Ketry Law Firm, LLC represents Louisiana homeowners in disputes involving Additional Living Expenses. We review the policy, documented expenses, claim history, and insurer decisions to identify benefits that may have been improperly reduced, delayed, or denied.
02 / OUR SERVICES
COMMON PROBLEMS
Common Problems /
Common Additional Living Expense Disputes
Insurance companies may attempt to limit ALE benefits by:
• Cutting off benefits before repairs are complete
• Imposing unreasonable time limits on temporary housing
• Refusing to pay for comparable accommodations
• Denying expenses as unnecessary
• Requiring excessive documentation
• Delaying reimbursements
• Disputing the amount of additional expenses
• Limiting benefits while the policyholder remains displaced
These disputes can place significant financial pressure on families who are already dealing with serious property damage.
HOW KETRY LAW HELPS
How Ketry Law Helps /
• Review of the insurance policy and ALE coverage limits
• Documentation and calculation of eligible additional expenses
• Review of temporary housing and displacement costs
• Identification of underpayments, delays, or wrongful denials
• Review of prematurely terminated ALE benefits
• Direct communication and negotiation with the insurance company
• Legal action when necessary to pursue available ALE benefits
Why Choose Ketry Law /
George Ketry’s background as a former licensed insurance adjuster provides firsthand insight into how Additional Living Expense claims are evaluated and how insurance companies may attempt to limit payments.
Ketry Law reviews the policy, ALE coverage limits, documented expenses, reimbursement history, and insurer communications to identify potential underpayments or wrongful denials.
That combination of insurance-industry experience and legal representation can be especially valuable when a family is already dealing with the financial pressure and disruption of being displaced from home.
Important Information /
Understanding Additional Living Expenses
ALE coverage is generally intended to address the additional costs you incur because a covered loss makes your home temporarily unlivable.
The amount of an ALE claim is not necessarily the total amount you spend while displaced. It generally involves the increase above your normal living expenses.
For example, if temporary housing, meals, utilities, transportation, or other necessary costs increase because you cannot live in your home, those additional costs may be relevant to an ALE claim depending on your policy.
Louisiana law also imposes claim-handling obligations on insurance companies. George Ketry’s materials identify Louisiana Revised Statutes 22:1892 and 22:1973 as potentially relevant when ALE benefits are improperly delayed, reduced, or denied.
Every policy and claim is different, so coverage limits, documentation requirements, and the circumstances of the displacement should be reviewed individually.
COMMON QUESTIONS
Questions About
Additional Living Expenses
What does Additional Living Expenses insurance cover in Louisiana?
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Does ALE insurance pay for a hotel or temporary rental home?
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Can an insurance company stop ALE payments before my home is repaired?
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Why would an insurance company deny or reduce my ALE expenses?
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How can Ketry Law help with an Additional Living Expenses claim?
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Need Help With Your Legal Matter?
Speak directly with Attorney George Ketry about your situation and learn what options may be available.
