An ongoing hurricane season, flooding in Texas and wildfires in Colorado are reminders that consumers need to understand the claims process. Standard homeowners insurance policies cover damage caused by wind, fire and many other disasters. Policies also include coverage for additional living expenses (ALE), which pays the additional costs of temporarily living away from your home if it is uninhabitable due to an insured disaster. ALE covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. It is important to keep receipts for all of these expenses so that you can supply the information to your insurance company. Read more...