Life does not stop when you are displaced. Learn how to identify, track, and submit the additional costs of living away from home.

Living in the Meantime.

YOUR DISASTER PLAYBOOK

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Living away from home changes more than your address. Commutes may be longer, utilities may overlap, belongings may need to be moved or stored, and pets may require temporary boarding.

The next moves in our Disaster Playbook will help you identify these changes, calculate the added costs, and maintain the records needed for your insurance claim.

Everyday Life
Looks Different Now

Everyday Life Looks Different Now.

LIVING EXPENSES

Review the Additional Living Expense or Loss of Use coverage in your policy. Confirm your available limits, eligible expenses, deadlines, and the process for requesting advances or reimbursements.

1) Know Your Benefits.

Insurance generally focuses on the increase above what you would normally spend. Gather earlier bills, bank statements, and household records to establish your normal expenses for utilities, food, transportation, and home services.

2) Define Normal Spend.

Document changes to electricity, gas, water, internet, laundry, postal services, and other household costs. Use our FREE Bills, Bills, Bills Tool to compare your normal bills with what you are paying while displaced.

3) Track Household Bills.

Track moving expenses, storage units, pet boarding, longer commutes, school trips, property visits, and additional errands. Use our FREE Travel Calcs Tool to calculate and help organize the added mileage and transportation costs.

4) Capture New Costs.

Keep receipts, invoices, statements, mileage records, and proof of payment organized by expense and date. Submit expenses regularly, track what has been reimbursed, and follow up on anything still under review.

5) Save And Submit.

The Expenses They Never Mention

Your carrier will tell you to save receipts, but it will not explain the full range of expenses your policy can cover. You will not receive ideas for increased travel, utilities, internet, laundry, storage, moving, pet boarding, or other costs created by your displacement.

They also will not walk you through replacing belongings and recovering the depreciation withheld from your first payment.

What they do not explain can leave significant money UNCLAIMED.

Insurance Red Flag:

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888-488-LOTI (5684)

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Our licensed public adjusters simplify the complex claim process with trusted expertise, modern tools, and ongoing support through every stage of your recovery.

This is what a truly hassle free claim experience looks like.

To get started, we've gathered a few helpful AI enabled tools & articles, but feel free to reach out to us directly for immediate help.

Free AI Tools & Articles.

BILLS, BILLS, BILLS

Turn utility and service bills into a structured record of expenses. Our AI extracts key details from each bill and creates a clean report to support reimbursement.

Compare Current To Past Bills For Reimbursement.

TRAVEL CALCS

BILLS, BILLS, BILLS

TRAVEL CALCS

Our document scanning technology turns utility and service bills into a structured record of expenses. Our AI extracts key details from each bill and creates a clean report to support reimbursement.

Compare Current To Past Bills For Reimbursement.

Calculate and track travel expenses tied to your loss and rental addresses with this tool. Our tech maps routes to key locations like work and school to support accurate insurance reimbursement.

Track And Validate Additional Travel Expenses.

ORIENTING AROUND THE REST

Accounting

Travel

Utility Costs

When a home becomes unlivable due to damage or required repairs, temporary accommodations may come with utility costs that differ from what you’re used to paying. Increased costs for heating, cooling, electricity, water, or even internet may arise depending on the location and type of your temporary housing. Loss of Use / Additional Living Expenses (ALE) coverage can help offset these increased utility expenses, easing the financial burden during your displacement.

This article explores what ALE covers regarding utility cost increases, how to document and claim these expenses, and tips for managing temporary utility costs.

When you’re forced out of your home due to damage or required repairs, living in temporary accommodations can mean changes to your daily commute or transportation needs. Whether your new location is further from work, school, or daily activities, Loss of Use / Additional Living Expenses (ALE) coverage can help offset increased costs associated with travel, parking, and transit.

This article explores how ALE can cover additional transportation expenses, how to document and claim these costs, and tips for managing temporary transportation expenses effectively.

After a disaster, rebuilding your home means managing money from insurance payments, lenders, contractors, and personal funds. Staying organized can help prevent delays, support reimbursements, and keep your budget on track.

This RallyBack article explains how to organize financial records, track expenses, and understand the flow of funds throughout your rebuild.

VISIT THE LEARNING HUB

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The Learning Hub is Loti’s free resource center and the largest recovery library of its kind. Originally created to help fellow survivors, it’s open to everyone and includes RallyBacks, glossaries, and downloadable tools with clear guidance for every type of incident.