Loss of Use Gap Calculator

Loss of use (ALE) limits rarely match real temporary living cost. This calculator sizes the gap.

Monthly temp occupancy

Displacement months

Loss of use limit

Extra expenses

Gap to owner

$16,700

Total cost

$52,700

Coverage used %

68.3%

How the math works

Total = monthly × months + extras. Gap = total − policy limit.

If displacement may exceed 6 months, add a standalone 'extended ALE' endorsement or raise the sub-limit. Sub-limits are cheap to raise at renewal; paying out-of-pocket once displacement runs long is not.

How to Use

Enter monthly temporary occupancy cost.
Enter displacement months.
Enter loss-of-use policy limit.
Enter additional expenses (moving, storage, pet boarding).
Read gap to owner.

Frequently Asked Questions

Loss of use vs ALE?

Landlord policies call it 'Loss of Rents' (rental income replacement). Tenant and homeowner policies call it 'Loss of Use' or 'Additional Living Expense' (extra lodging/meals). Similar economics, different coverage forms.

Limit sizing?

Default ALE is often 20-30% of dwelling limit — routinely insufficient for 12-18 month rebuilds in high-cost markets. Ask for 12 months at 'comparable rental' or 40%+ of dwelling, especially for complex losses.

Excluded items?

Only *extra* above normal living cost is reimbursed — normal rent, mortgage, food are not. Pet boarding, laundry service, longer commute, extra childcare commute are reimbursable but rarely claimed; keep receipts.