ALE Coverage

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Dear neighbor,

As the devastating wildfires continue to burn in our district, it is important for you- as a policyholder- to be informed, in the horrific event that you may suffer a loss, or need to evacuate.

As a homeowner, in the aftermath of a natural disaster, you may be eligible for reimbursement of additional living expenses (ALE) incurred due to mandatory evacuation or if a home is rendered uninhabitable due to a disaster event. ALE coverage is generally included in the homeowner’s policy and therefore is available to help homeowners maintain their normal standard of living while they go through the claims and rebuilding process.

ALE typically covers:

  • Housing/ hotel expenses
  • Additional food expenses
  • Furniture rental expenses
  • Relocation expenses
  • Storage Expenses
  • Telephone installation expenses
  • Extra school and work transportation expenses

Policyholders need to contact their insurance carrier to obtain information about the specific expenses covered by ALE in their homeowners’ policy. Businesses may also be eligible for reimbursement due to lost business.

ALE coverage is guaranteed by law for up to 24 months after a declared disaster.

I pray that you and your loved ones sustain no losses. However, in the event this occurs, the following list provides the claim reporting telephone numbers for every major property casualty insurer in California. Please be prepared, so that you, your family, and friends are protected and may recover quickly should a loss occur. 

AIG Property Casualty Company: 888-760-9195

Allstate            : 800-547-8676

American Modern Home Insurance Company: 800-375-2075

American Reliable Insurance Co.: 800-245-1505

American Bankers Insurance Company of Florida: 800-852-2244

Ameriprise Auto & Home Insurance: 800-872-5246

Amica Mutual Insurance Co.: 800-242-6422

Bankers Standard Insurance Co.: 800-765-9700

California Capital Insurance Co.: 800-986-9974

California Casualty: 800-800-9410

CSAA Insurance Exchange (AAA Northern California): 800-922-8228

Century-National Insurance Co.: 844-582-7969

Coastal Select Insurance Co.: 844-642-1815

CSE Safeguard Insurance Co.: 888-236-5584

Encompass Insurance Co.: 800-588-7400

Farmers Insurance Group: 800-435-7764

Federal Insurance Company/Chubb: 800-252-4670

Fireman’s Fund Insurance Co.: 888-347-3428

First American Specialty Insurance Co.: 800-756-9100

Foremost Insurance C.: 800-527-3907

Foremost Property & Casualty Insurance Co.: 800-527-3905

Geovera Insurance Co.: 800-859-8734

Grange Insurance Assn: 800-445-3030

Hartford (Sentinel): 800 327 3636

Homesite Insurance Co. of California: 800-466-3748

Horace Mann: 800-999-1030

InterInsurance Exchange of the Automobile Club: 800-924-6141

Kemper Independence Insurance Co.: 888-252-2799

Liberty Mutual Insurance: 844-825-2467

Mercury: 800-503-3724

Metropolitan Direct Property & Casualty Insurance Co.: 800-638-4208

Nationwide: 800-421-3535

Oregon Mutual Insurance Co.: 800-934-3809

Pacific Property & Casualty Co.: 800-333-2860

QBE Insurance Corp.: 800-362-5448

Residence Mutual Insurance Company: 800-962-2142

Safeco: 800-332-3226

State Farm General Insurance Co.: 800-782-8332

Stillwater Insurance Group: 800-220-1351

Tokio Marine America Insurance Company: 877-567-7486

Topa Insurance Co.: 877-353-8672

Travelers: 800-252-4633

Universal North America Insurance Company: 866-999-0898

USAA: 800-531-8722

Wawanesa General Insurance Company: 800-640-2920

Here are some additional resources:

If you have additional questions, don’t hesitate to contact my Vacaville district office at: (707)454-3808. We are here to help you, however possible.