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ALE Business Interruption Calculator
ALE coverage reimburses relocated tenants during property restoration.
Net uncovered exposure
$0
Total ALE cost
$504,000
Covered amount
$504,000
How the math works
Total ALE = displaced × cost/night × days. Covered = min(total, limit).
40 × $140 × 90 = $504k total ALE. $504k ≤ $2M limit = fully covered. $0 net exposure.
How to Use
- Enter displaced units.
- Enter alternative housing cost/night.
- Enter restoration days.
- Enter ALE coverage limit.
- Read ALE exposure.
Frequently Asked Questions
ALE mechanics?
Tenant's HO-4 renters policy, or landlord's loss-of-rents policy. Covers difference between temporary housing and normal housing. Lodging, meals, transportation. Limited by policy terms (typically 12 months). Critical during fires, floods, hurricanes.
Landlord liability?
If landlord's property fault (habitability, unsafe): landlord pays tenant ALE. Loss-of-rents covers landlord for rent receipt during unoccupied period. Well-structured policy covers both sides.
Coverage limits?
Typical landlord loss-of-rents: 12 months of rent. Tenant ALE: $30k-100k or % of personal property. 24 months extended indemnity available. Build to policy — multi-unit building may need $500k-2M combined.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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