Insurance Relocation Housing: How the ALE Process Works

When a fire, flood, or other covered loss makes your home uninhabitable, your homeowner's or renter's insurance policy likely includes Additional Living Expense (ALE) coverage. This benefit pays for housing while your home is repaired — and furnished corporate housing is one of the best ways to use it.

What Is ALE Coverage?

ALE (Additional Living Expense) coverage reimburses you for the reasonable cost of temporary housing above what you'd normally spend. Most standard homeowner's policies include ALE equal to 20–30% of your dwelling coverage.

How the Process Typically Works

1. File your claim — Contact your insurance company. An adjuster will assess the damage and determine if your home is uninhabitable.
2. Get ALE approval — Once approved, your insurer authorizes a daily or monthly housing budget based on your policy limits and family size.
3. Find temporary housing — OKC Corporate Housing works directly with insurance adjusters and relocation coordinators to place families quickly — often within 24–48 hours of approval.
4. Direct billing — We can bill your insurance company directly in many cases, so you don't pay out of pocket and wait for reimbursement.
5. Move in — Our properties are completely move-in ready.

Why Corporate Housing Over a Hotel?

For families displaced for weeks or months, a hotel is stressful and disruptive — especially with children. A furnished apartment provides a stable environment, lets families maintain their routines, and offers the space to actually live rather than survive.

We work with adjusters and claims specialists from State Farm, Allstate, USAA, Farmers, and more. Contact us and we'll get your family settled as quickly as possible.