We're having issues with an insurance company that is basically telling us that additional living expense payments should generally be curtailed after 6 months even if the home was virtually totaled.  We think it legitimately often takes way longer than 6 months to get estimates & an available contractor to basically have to clean up & build a new home.  What are your thoughts or ideas on this?

 Kentucky Subscriber

The ISO HO 00 03 clearly states the timeframe for ALE; the shortest time required to repair or replace the damage, or the shortest time for the insured to permanently relocate and settle elsewhere. If the insured is not relocating, then ALE lasts until the damage is repaired.