Understanding Policy Language and Endorsements in an Insurance Claim
nsurance policies are contracts, and every claim decision is based on the specific language contained in the policy and its endorsements. The base policy sets the rules for coverage, duties, and loss settlement, while endorsements modify or refine those rules.
What Are Additional Living Expenses and How ALE Coverage Works in an Insurance Claim
Additional Living Expenses, or ALE, are a coverage designed to help policyholders pay for increased living costs when a covered loss makes their home uninhabitable. This coverage helps offset the difference between normal household expenses and the added costs of temporary housing, meals, and other necessities.
What Is a Public Adjuster?
Public Adjuster
A public adjuster is a licensed insurance professional who represents the policyholder, not the insurance company. Their role is to help document, prepare, and present an insurance claim so the loss is clearly supported under the terms of the policy.