Also called additional living expenses (ALE). It generally covers the increase in living costs, not your entire lifestyle, and only for covered losses. Flood-excluded events won’t trigger loss of use under a standard HO form for flood.
Loss of Use
- What it means
- Coverage that may help with extra living expenses if a covered loss makes your home uninhabitable — hotels, meals difference, temporary housing.
- Tennessee example
- A kitchen fire in your Jackson rental’s unit (covered peril) forces you into a hotel; loss of use / ALE on a renters or homeowners form may help with additional costs up to limits.
- Why it hits your wallet
- Repair checks don't automatically include a place to sleep; this is the 'where do we live meantime' line.