Corporate Housing for Insurance & ALE Claims

When a family is forced out of their home by fire, flooding, mold, storm damage, or another covered event, they are in crisis. They need a place to stay that feels like a home — not a hotel room — and they need to know that someone is handling the housing piece so they can focus on everything else. Home Street Serviced Apartments provides fully furnished corporate housing for insurance-displaced families and individuals throughout Ohio, Indiana, Kentucky, Pennsylvania and Wisconsin, and works directly with insurance carriers and adjusters to simplify the process.

What Is Additional Living Expense (ALE) Coverage?

Most standard homeowner’s and renter’s insurance policies include Additional Living Expense coverage — also called Loss of Use coverage. ALE applies when a covered event renders your home temporarily uninhabitable. It reimburses policyholders for the additional costs of living away from home during the repair period, typically including:

• Temporary housing
• Meals (above your normal food costs)
• Laundry, storage, and other incidental expenses

Fully furnished corporate housing is an eligible and commonly approved ALE housing solution. Because corporate housing is all-inclusive — rent, utilities, furnishings, and internet — the monthly cost is easy for adjusters to review and approve as a single line item.

When ALE Applies

ALE coverage activates when a covered peril makes the home unlivable. Common situations include:

• Fire or smoke damage — Even a localized fire can render an entire home uninhabitable during remediation and rebuilding
• Water damage or flooding — Burst pipes, roof leaks, or weather-related flooding often require weeks or months of drying, mold remediation, and reconstruction
• Mold — Significant mold growth may require a family to vacate while professional remediation takes place
• Storm damage — Tornado, hail, or wind damage to structural elements can make a home unsafe to occupy
• Other covered perils — Any event covered by the policy that results in uninhabitability

How the Process Works

The path from claim to move-in is typically straightforward when working with HSSA:

1. File the claim — The policyholder files a claim with their insurance carrier and ALE coverage is confirmed
2. Adjuster approval — The adjuster reviews housing needs and authorizes temporary housing costs within the policy limits
3. Contact HSSA — The policyholder, their public adjuster, or the insurance carrier contacts HSSA directly to identify an available furnished apartment in the required area
4. Reservation paperwork and billing setup — HSSA prepares the furnished apartment and can coordinate billing directly to the insurance carrier in many cases, eliminating out-of-pocket expense for the displaced family
5. Move-in — The family moves into a fully furnished, ready apartment — typically within 24–72 hours of contact, depending on availability
6. Stay and extend as needed — HSSA works with the insurance carrier throughout the repair period, extending the stay as reconstruction timelines shift (as they often do)

A Home, Not a Hotel — During the Worst Time

Being displaced from your home is traumatic. Children’s routines are disrupted. Pets need accommodation. Families need space to breathe, a real kitchen to cook in, a place to sit together at a dining table. Living in a hotel corridor for two or three months during a major reconstruction compounds the stress of an already difficult situation.

A furnished corporate apartment from HSSA provides a genuine home environment. There is a living room, a full kitchen, proper bedrooms, laundry access, and all the daily essentials. Families can establish a semblance of routine during the displacement period, which matters enormously for children and for mental health.

HSSA Works with Insurance Professionals

HSSA is experienced in working with insurance adjusters, property claim specialists, and independent public adjusters. We provide the documentation adjusters need — detailed invoices, lease agreements, utility inclusion verification — and we can coordinate billing directly with the carrier when authorized. Call our team as soon as ALE housing is approved and we will move quickly to find a solution.