1.        Additional Living Expense. We will pay the reasonable increase in living expenses necessary to maintain your normal standard of living. Our liability will not exceed the smallest of:

1.     Payment for the shortest time to either repair or replace the residence premises. This period of time

is not limited by the expiration of this policy;

2.     Payment for the shortest time for your household to settle elsewhere, if you permanently relocate.

This period of time is not limited by the expiration of this policy; or

3.     The limit of liability for Loss of Use as specified in the policy Declarations. 

The insurance company states that his move to California constitutes a permanent relocation. I say that, since he has been living in rental homes, this is no different than if he moved to another rental home locally. A permanent relocation would be when he moves to a new home that he purchased.  Assume for this case that the ALE period could extend to a portion of his California rental period. We are only claiming six months in California, not the year plus he has been renting.

Massachusetts Subscriber

Accepting a job in a different state constitutes a permanent relocation. One doesn't have to own a home in order to have a permanent residence; many people live in apartments or rented property for years. The insured relocated when he moved to California. There is no ALE for rentals after the move.