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FAQ

Welcome to the ALE Housing FAQ section. Here you can find answers to common questions about our insurance housing services. Whether you're a policyholder, adjuster, or corporate client, we've got you covered. Click here to learn more and find the information you need to make informed decisions about your short-term rental housing needs.

  • What type of agreements are needed to become an ALE Housing host?
    You only need to sign one Property Management Agreement agreement with us. This covers everything: managing your property, listing it on all rental platforms (including our own), handling all paperwork, and making sure payments and profits are clear. With this agreement, your property is fully protected and we take care of all the details.
  • What kind of landlord support do you provide?
    ALE Housing provides full-service support throughout the entire tenancy. We handle everything from property marketing and tenant placement to maintenance coordination, cleaning during the stay, and ongoing communication with the policyholders. Our goal is to make the process hands-off for landlords while ensuring your property is well-maintained and the tenants are supported.
  • How does my property get booked by ALE Housing?
    After your property is registered with us, your property will be in our system to search for. When a policyholder needs accommodations in your area we will view your properties description to see if it fits their needs. If it seems like a good fit we will reach out to you.
  • How is rent paid?
    The payment method and schedule depends on the platform through which the property is booked. If booked directly through us, we pay rent as soon as the insurance provider releases the ALE funds, typically aligning with their disbursement schedule.
  • What if a tenant damages my property?
    Payment for damage protection is typically included as part of each booking, so there’s no extra step required from you. We partner with Safely, an industry leader in vacation rental insurance, to make sure your property is protected. The cost is either built into the booking fees or collected as a separate charge from guests, depending on the platform. This way, your property stays safe without any hassle or hidden fees.
  • Who is the main point of contact during the tenancy?
    ALE Housing is the main point of contact for tenants and landlords.
  • How can I register my home for ALE Housing?
    Property owners and managers can list their homes with ALE Housing by registering on our website. During the sign-up process, you'll provide details about the property, including the number of bedrooms, available amenities, house rules, etc.
  • What documents are needed for policyholders to set up ALE?
    1. Proof of Loss / Claim Documentation - A detailed description of the loss event (e.g., fire, flood, etc.) - Date of the incident - Police or fire department report (if applicable) - Claim number 2. Verification of Uninhabitable Condition - A letter or report from an inspector, contractor, or the fire department confirming that the home is temporarily uninhabitable - Photos of the damage 3. Proof of Residence - Driver's license or utility bill with your home address - Lease or mortgage documents
  • Is there guest support in case of emergencies?
    Yes, ALE Housing provides 24/7 guest support to handle emergencies and ensure a smooth experience for guests and landlords.
  • What is ALE Housing?
    ALE Housing connects landlords with families in need of temporary housing due to insurance claims, such as after floods or fires. The platform also enables listings on major rental channels, including Airbnb, Booking.com, and VRBO.
  • What type of agreements are needed to use ALE Housing?
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  • Are there out-of-pocket costs for landlords?
    There are typically no out-of-pocket costs or hassle for landlords using the platform*.
  • Which insurance providers does ALE Housing work with?
    The platform works with all major insurance carriers, including State Farm, USAA, Farmers, American Family Insurance, and more.
  • What support do landlords receive?
    24/7 guest support, Professional coordination with tenants and insurance companies, Streamlined payment processing, Performance reporting.
  • How does ALE Housing help improve my rental income? (copy)
    ALE Housing optimizes your digital listings and manages bookings across platforms to increase your average daily rate (ADR) and occupancy.
  • Who are the typical tenants?
    Mainly families and individuals whose homes are temporarily uninhabitable and whose stay is backed by insurance providers.
  • What is Loss of Use / Additional Living Expenses (ALE), and how does it help me?
    Loss of Use coverage, also known as Additional Living Expenses (ALE) coverage, helps pay for the extra costs you face when your home becomes uninhabitable due to a covered loss. This includes the cost of temporary housing, meals, and other necessary living expenses while your home is being repaired.
  • How do I benefit as a landlord?
    Steady, often longer-term bookings through insurance referrals. Multi-channel exposure, maximizing your property’s visibility and occupancy. Full-service management, including digital profile optimization, marketing, and guest support.
  • Which platforms does ALE Housing list my property on?
    Your property can be listed on Airbnb, Booking.com, VRBO, and others—all managed centrally through ALE’s tools.
  • What expenses are covered under Loss of Use / Additional Living Expenses (ALE)?
    Loss of Use / ALE coverage may reimburse you for costs such as hotel stays or short-term rentals, increased food expenses, transportation, laundry, storage, pet boarding, and utility connection fees.
  • Can policyholders choose their covered housing accommodations?
    Policyholders usually have the flexibility to choose their ALE housing, but it must be reasonable and within the limits of their insurance coverage. ALE Housing experts can help policyholders understand their policy and can help find policyholders housing options that fit their needs.
  • How does ALE Housing help improve my rental income?
    ALE Housing optimizes your digital listings and manages bookings across platforms to increase your average daily rate (ADR) and occupancy.
  • How do I get started?
    Visit the ALE Housing website, sign up as a landlord, and follow the instructions to list your property.
  • How long can policyholders stay in ALE housing?
    The duration for which policyholders can stay in ALE housing depends on the terms of their insurance policy. Generally, ALE coverage lasts until the home is repaired or rebuilt, but there may be a maximum time limit or coverage amount specified in the policy. Policyholders should check with their insurance provider for specific details.
  • Can I choose my temporary housing under Loss of Use coverage?
    Yes, policyholders usually have the flexibility to choose their temporary housing, but it must be reasonable and within the limits of their insurance coverage. It is advisable to check with your insurance provider for specific guidelines.
  • Can I choose my temporary housing under Additional Living Expenses (ALE) coverage?
    Yes, policyholders usually have the flexibility to choose their temporary housing, but it must be reasonable and within the limits of their insurance coverage. It is advisable to check with your insurance provider for specific guidelines.
  • What expenses are covered under Loss of Use coverage?
    Loss of Use coverage may reimburse you for costs such as hotel stays or short-term rentals, increased food expenses, transportation, laundry, storage, pet boarding, and utility connection fees.
  • How do I file a claim for Additional Living Expenses (ALE)?
    To file a claim for Additional Living Expenses (ALE), you will need to provide documentation of the event that made your home uninhabitable, such as a police report or insurance claim number. You will also need to provide receipts for any additional living expenses incurred.
  • What is covered under Loss of Use insurance?
    Loss of Use insurance typically covers additional living expenses incurred when your home is uninhabitable due to a covered event. This can include costs for temporary housing, increased food expenses, transportation, and other necessary living expenses.
  • Can I choose my temporary housing under Loss of Use coverage?
    Yes, policyholders usually have the flexibility to choose their temporary housing, but it must be reasonable and within the limits of their insurance coverage. It is advisable to check with your insurance provider for specific guidelines.
  • What expenses are covered under Additional Living Expenses (ALE)?
    ALE coverage may reimburse you for costs such as hotel stays or short-term rentals, increased food expenses, transportation, laundry, storage, pet boarding, and utility connection fees, all while maintaining a similar standard of living.
  • How long does Additional Living Expenses (ALE) coverage last?
    The duration of ALE coverage depends on your insurance policy. Generally, it lasts until your home is repaired or rebuilt, but there may be a maximum time limit or coverage amount specified in your policy.
  • How long does Loss of Use coverage last?
    The duration of Loss of Use coverage depends on your insurance policy. Generally, it lasts until your home is repaired or rebuilt, but there may be a maximum time limit or coverage amount specified in your policy.
  • What documentation is needed to claim Loss of Use coverage?
    To claim Loss of Use coverage, you will need to provide proof of the event that caused your home to be uninhabitable, such as a police report or insurance claim number, and receipts for any additional living expenses incurred.
  • How do I file a claim for Loss of Use coverage?
    To file a claim for Loss of Use coverage, you will need to provide documentation of the event that made your home uninhabitable, such as a police report or insurance claim number. You will also need to provide receipts for any additional living expenses incurred.
  • What are Additional Living Expenses (ALE)?
    Additional Living Expenses (ALE) are costs that policyholders incur when their home becomes uninhabitable due to a covered loss. ALE helps cover the extra costs of maintaining a similar standard of living while the home is being repaired, including temporary housing, meals, and other necessary expenses.
  • What is Loss of Use coverage?
    Loss of Use coverage, also known as Additional Living Expenses (ALE) coverage, helps pay for the extra costs you face when your home becomes uninhabitable due to a covered loss. This includes the cost of temporary housing, meals, and other necessary living expenses while your home is being repaired.
  • How long does Loss of Use coverage last?
    The duration of Loss of Use coverage depends on your insurance policy. Generally, it lasts until your home is repaired or rebuilt, but there may be a maximum time limit or coverage amount specified in your policy.
  • How do I file a claim for Loss of Use coverage?
    To file a claim for Loss of Use coverage, you will need to provide documentation of the event that made your home uninhabitable, such as a police report or insurance claim number. You will also need to provide receipts for any additional living expenses incurred.
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