Additional Living Expense (ALE)
Loss of Use & ALE Claims
If a covered loss makes your home unlivable, you shouldn’t absorb the cost of living elsewhere. We document every eligible expense.
The Problem
Loss of use and Additional Living Expense claims
When a covered loss makes your home unlivable, you shouldn’t have to absorb the cost of living somewhere else. Loss of use, or ALE, coverage exists to pay those extra expenses — but insurers often limit or dispute them.
Coppermark documents your displacement and the legitimate added costs, from temporary housing to increased daily expenses, and pursues the full ALE benefit your policy provides.
What We Document
Expenses ALE coverage can include
ALE goes well beyond rent. We document the full range of eligible costs:
- ALE eligibility and policy limits
- Temporary housing and rent
- Increased food and dining costs
- Pet boarding
- Storage of belongings
- Increased mileage and commute
- Furniture and essentials rental
- Duration of displacement
How It Works
Four steps from damage to settlement
Call before you file
Reach us 24/7. The sooner we’re involved, the better we can protect your claim from day one.
We review your loss
We inspect the damage and your policy to find every coverage you’re entitled to — at no cost to start.
Document & negotiate
We build the evidence, handle the paperwork and meetings, and negotiate directly with your insurer.
You get your check
We stay with you through the entire process — nothing is settled without your approval.
Why Coppermark
An experienced advocate in your corner
We work only for you
Coppermark represents the policyholder — never the insurance company.
Available 24/7
Disasters don’t keep business hours. Reach a real adjuster whenever you need one.
Free policy & claim reviews
Think you were underpaid or wrongfully denied? We’ll review your policy and claim at no cost.
Low risk to start
Our fee typically comes from your claim proceeds — little to no out-of-pocket cost.
Common Questions
Questions, answered
If a covered loss makes your home uninhabitable, ALE helps pay the extra costs of living elsewhere — temporary housing, increased food costs, storage, and more — up to your policy limits.
Generally until your home is repaired or up to your policy’s limit or time cap. Insurers often dispute duration; we document the timeline and necessary expenses.
Coppermark’s fee typically comes directly from your claim proceeds, so there’s little to no out-of-pocket cost to start. Your initial claim review is free, and no settlement is ever accepted without your consent.
As early as possible — ideally before you contact your insurance company. The sooner we document and manage your claim, the better protected it is. We answer calls 24/7 at 855-45-CLAIM.
Displaced by a covered loss?
Get a free review of your loss-of-use and ALE coverage from a licensed Oklahoma public adjuster.
Available for calls 24/7 · We represent you, not the insurance company.
