When a loss forces you into a new living situation, your monthly costs can change in ways that are easy to miss but important to recover. Utilities like power, water, and gas may shift significantly, especially if you move from a home with solar or a private well to standard public services. Everyday needs can also add unexpected expenses, such as laundry services if you no longer have in-unit machines, or postal services like a PO Box if you’ve lost access to a personal mailbox.
Bills, Bills, Bills helps you compare old and new expenses side by side so these differences are clearly documented and ready for insurance
Turn new living expenses into reimbursable claim data with the free Bills, Bills, Bills tool.
Use the free Travel Expenses tool to calculate your travel expenses and build an insurance report.
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My Old Bills
My New Bills
Upload your previous bills alongside your current ones and our AI document scanning technology extracts monthly costs across utilities and services. The system then automatically compares categories like electricity, gas, internet, water, laundry, mail, storage, and parking to calculate your total increase in living expenses.
How It Works.
- Automated cost comparison.
- AI extraction of expenses from old and new bills.
- Support for multi-month or annual tracking.
- Exportable, claim ready PDF documentation.
What You Get.
- Switching from well water to city water service.
- Losing solar and moving to paid electricity utility.
- Adding laundry, mail, or storage costs.
- Paying for parking or services not required in your prior home.
Use Cases.
Additional living expenses add up quickly after a loss, but they are often under-documented or missed entirely.
Bills, Bills, Bills ensures every change is captured, calculated, and ready to support your claim.
Why It Matters.
More FREE Tools in The Toolbox
The Loti Toolbox is a powerful, easy to use collection of tools designed to help homeowners navigate every stage of an insurance claim, from understanding your policy and documenting damage to tracking expenses and maximizing recovery.
Used by our public adjusters on behalf of our clients, we are releasing some of our tech tools completely free, giving everyone organization, insight, and confidence when it matters most.
THERE'S ALSO SO MUCH MORE
A FREE RALLYBACK ARTICLE TO HELP WITH INCREASED UTILITY EXPENSES
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.
Managing and Claiming Higher Utility Costs Under Loss of Use / ALE Coverage
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Every extra bill tells part of your story. Now it finally gets counted.