After a disaster damages your home, you may find yourself unable to live there during repairs. In these moments, Loss of Use coverage becomes crucial.
At Allegiant Public Adjusters, we help policyholders in Florida and Georgia fully understand, calculate, and recover the living expenses they are owed under their insurance policies while their homes are being restored.
If you’ve been displaced after a covered event, let us fight to make sure you are properly compensated for every necessary expense.
Loss of Use coverage, often found in homeowners and renters insurance policies, reimburses you for additional living expenses (ALE) you incur when a covered event makes your home uninhabitable.
It is designed to help you maintain your standard of living while repairs are underway.
Loss of Use typically covers:
In some cases, Loss of Use may also cover lost rental income if your property was producing income prior to the loss.
You may be eligible for Loss of Use benefits after:
Even if the damage seems limited, insurance policies can provide Loss of Use benefits when conditions are deemed unsafe or unlivable by authorities or experts.
Although Loss of Use sounds straightforward, many policyholders encounter challenges such as:
Without proper documentation and strong advocacy, you may end up paying out-of-pocket for expenses your insurance should cover.
At Allegiant Public Adjusters, we help eliminate these obstacles and maximize your Loss of Use claim.
We approach every Loss of Use claim with precision, urgency, and a deep understanding of insurance policy language.
We start by reviewing your insurance policy in detail to determine:
Understanding your rights upfront helps us build a stronger claim strategy.
We assess the extent of the property damage and document why the home is no longer safe or livable.
If needed, we coordinate with:
Their professional evaluations strengthen your claim that the property is uninhabitable.
We work with you to gather and organize proof of all additional living expenses, such as:
The more organized and thorough the documentation, the faster and more complete your reimbursement will be.
We prepare a fully supported claim package and present it to your insurance company, demanding full payment for every eligible expense.
If necessary, we challenge unfair denials or underpayments through negotiation or formal dispute processes.
Our goal is simple: You should not bear financial losses for simply trying to live while your home is being repaired.
If you are a homeowner displaced from your primary residence, your Loss of Use claim can include:
We ensure that the full range of your additional living expenses is recognized and compensated under your policy.
Renters with renter’s insurance also have Loss of Use coverage when a rental becomes uninhabitable due to a covered event.
We help renters recover:
Even though you don’t own the property, you still have the right to maintain your quality of life after a covered loss.
If you own a rental property that becomes uninhabitable, your insurance may provide Loss of Rental Income coverage.
This reimburses you for the rental payments you lose while repairs are being made.
Our team ensures you’re compensated fairly for:
Loss of Use claims require careful attention to both property damage assessments and financial documentation.
At Allegiant Public Adjusters, we provide:
We don't just handle claims—we guide you through the entire recovery process, minimizing stress and maximizing results.
Insurance policies exist to protect you—not just your house, but your life.
If you’ve been forced from your home after a disaster, you deserve complete coverage for the costs you incur.
Let Allegiant Public Adjusters take the burden off your shoulders and ensure you get every dollar you're owed.
