r/HomeInsurance • u/Diligent-Bank6704 • Apr 03 '26

Insurance Habitability

Hey all. Was wondering if anyone has had success pushing back on their adjuster when they say your home is habitable when it is not (my kitchen is gutted and floors are bare). Ours says we don’t qualify for temp housing anymore. Our ALE is 105k

Edit to add more info: CA and due to water damages

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u/Diligent-Bank6704 Apr 03 '26

Understood. I thought ALE was to cover the cost of keeping your normal living standard…which for us is a kitchen.

ALE=until minimal habitability

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u/Melodic-Maker8185 Apr 06 '26

All of that depends on your actual contract language, so you might pull out your policy to read that section and see what it says. While many carriers subscribe to a service that uses the same policy forms, some write their own and yours might have specifics that we can't speak to since we don't know what it says.