If your home has been damaged by fire, water, mold, or storm — your homeowner's insurance policy likely includes Additional Living Expense (ALE) coverage. That means a private travel trailer delivered to your property, at $0 out-of-pocket cost to you. We bill your insurance directly.
Most homeowners don't know they have it — until disaster strikes. ALE is built into standard homeowner's policies for exactly this moment.
Additional Living Expense (ALE) is a standard component of most HO-3 homeowner's insurance policies. It covers the increased cost of living while your home is being repaired — including temporary housing, meals above your normal cost, storage, laundry, and related expenses. Coverage typically equals 20–30% of your dwelling limit and lasts for the duration of repairs.
Your adjuster authorizes ALE once your claim is filed. You're entitled to housing that's reasonably comparable to your home — not a bare-bones hotel room. A private travel trailer on your property qualifies, costs far less than an extended-stay hotel, and keeps you close to your home during repairs. We handle placement and bill your carrier directly.
Extended-stay hotels run $3,600–$5,400/month. No kitchen, no privacy, no pets, shared hallways, and you're burning through your ALE limit at maximum speed. A travel trailer costs $1,500–$2,500/month — giving you a full kitchen, private entrance, your pets, your furniture, and your yard while stretching your ALE benefit 2–3x longer.
We work directly with your insurance company using an Assignment of Benefits arrangement. You authorize us to work with your carrier, we place the unit, and we handle all billing. You don't receive a bill — your insurance does. You only handle your normal deductible if applicable. We've done this hundreds of times on the Gulf Coast.
We've streamlined this for families in crisis. Most placements are completed within 24–48 hours of your initial call.
Call 850-818-0085. We verify your insurance coverage and ALE eligibility on the first call — usually in under 20 minutes. If you've already filed a claim, even better.
We contact your insurance adjuster directly, confirm ALE authorization, and work out the billing arrangement. You don't need to manage this — it's what we do every day.
A fully outfitted travel trailer is delivered to your property or a nearby lot within 24–48 hours. We handle hookups, leveling, and setup. You arrive and it's ready.
Stay close to your home, your neighborhood, and your life while repairs are completed. We manage the rental, the insurance billing, and the pickup when your home is ready.
In most Gulf Coast municipalities, a travel trailer may be placed on your property during active home repairs. We handle any required permits or utility connections. This is the preferred option — you stay home, just in a trailer in your own driveway. If on-property placement isn't possible (lot size, access, HOA restrictions), we arrange a nearby private lot or RV park with full hookups — always within a short drive of your home.
ALE housing applies any time a covered loss makes your home uninhabitable or unsafe to occupy during remediation or repairs.
Even partial fire with smoke or soot throughout the home typically qualifies — the home is considered uninhabitable during remediation.
Active water intrusion, burst pipes, sewage backup, or any event requiring drying equipment and remediation lasting more than a few days.
Roof damage, broken windows, structural compromise, or any storm event that renders the home unsafe or unusable during repairs.
Large-scale mold remediation often requires evacuation for 3–14 days. Your insurer must provide ALE if the home is uninhabitable during treatment.
Electrical fires, foundation damage, or any structural compromise that requires the home to be vacated per contractor or inspector recommendation.
Call us. We'll review your policy details and tell you immediately if ALE coverage applies — free, no obligation, no sales pitch.
Your ALE benefit has a dollar limit. Every month in an overpriced extended-stay hotel burns through it faster. A travel trailer keeps you comfortable and extends your coverage 2–3x longer.
| Category | Extended-Stay Hotel | SRP Travel Trailer RECOMMENDED |
|---|---|---|
| Monthly Cost | $3,600 – $5,400 | $1,500 – $2,500 |
| Privacy | Shared hallways, walls, parking | Fully private — your own unit |
| Kitchen | Kitchenette or none | Full kitchen — stove, fridge, microwave |
| Pets | Usually not allowed or $150+/month | Welcome — no additional charge |
| Location | Miles from your home | In your driveway or within 1 mile |
| Storage | None — external storage required | On-site access to your belongings |
| ALE Duration (at $50K) | 9–14 months | 20–33 months |
| Insurance Billing | You pay, submit receipts, wait | We bill carrier directly — zero hassle |
We work directly with your insurance carrier, not with you. Once ALE is authorized, we submit invoices to the carrier on a monthly billing cycle. You never receive a housing invoice — your insurance does.
This is standard practice accepted by all major carriers including State Farm, Allstate, USAA, Farmers, Citizens, and others operating on the Gulf Coast.
In Florida, an Assignment of Benefits arrangement allows us to stand in your place when dealing with your insurer for this specific service. You sign a simple authorization form, and from that point, we handle all correspondence and invoicing.
You are not responsible for any cost beyond your normal policy deductible. If your adjuster disputes any amount, we handle that dispute — not you.
All the forms you need for ALE temporary housing — ready to download, print, and complete. We'll walk you through every document.
Need help completing these forms? Call 850-818-0085 — we'll walk you through everything.
Don't spend another night in a hotel or on a relative's couch. Call us now. We move fast — many families are in their unit within 24 hours of calling.
Service Restoration Pros provides insurance-covered temporary housing for families displaced by fire, water, mold, and storm damage throughout Panama City, Bay County, and the Gulf Coast. Travel trailer delivery within 24–48 hours. Direct insurance billing — $0 out of pocket. We work with all major carriers including State Farm, Allstate, USAA, Farmers, and Citizens. Call 850-818-0085 for immediate ALE housing assistance.
Official references, regulatory agencies, and industry standards organizations.
Property Managers & Trade Partners
No-cost pre-authorization. Front-of-queue dispatch. 48-hour mitigation guarantee. Direct insurance coordination for your entire portfolio.
Join the Partner Program →Or call 850-818-0085 to enroll now
Based in Panama City. Serving all of Bay County, the 30A corridor, and Northwest Florida with 60-minute emergency response and complete insurance documentation.
