Loss of Use / Additional Living Expenses Calculator
ANA›Life Services Authority›National Calculator Authority›Loss of Use / Additional Living Expenses Calculator
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Loss of Use / Additional Living Expenses Calculator
Estimates the reimbursable Additional Living Expenses (ALE) you may claim when a covered loss forces you out of your home. ALE covers only the increase in your normal living costs during the displacement period.
Policy ALE Limit ($)
Estimated Displacement Period (days)
Normal (Pre-Loss) Monthly Expenses
Normal Housing Cost ($/month)
Normal Food Cost ($/month)
Normal Transportation Cost ($/month)
Other Normal Monthly Expenses ($)
Actual (Post-Loss / Temporary) Monthly Expenses
Temporary Housing Cost ($/month)
Actual Food Cost ($/month)
Actual Transportation Cost ($/month)
Other Actual Monthly Expenses ($)
Mortgage/Rent Savings During Displacement ($/month)
Calculate ALE
function losCalc() { // --- helpers --- const val = id => parseFloat(document.getElementById(id).value) || 0; const el = id => document.getElementById(id); const fmt = n => n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
// --- inputs --- const policyLimit = val('los-policy-limit'); const days = val('los-displacement-days');
const normalHousing = val('los-normal-housing'); const normalFood = val('los-normal-food'); const normalTransport = val('los-normal-transport'); const normalOther = val('los-normal-other');
const actualHousing = val('los-actual-housing'); const actualFood = val('los-actual-food'); const actualTransport = val('los-actual-transport'); const actualOther = val('los-actual-other');
const salvageCredit = val('los-salvage-credit');
// --- validation --- const errors = []; if (policyLimit '').join('') + ''; return; }
// --- core formula --- // Convert monthly figures to daily (÷ 30.4375 = average days/month) const AVG_DAYS_PER_MONTH = 30.4375;
const normalTotalMonthly = normalHousing + normalFood + normalTransport + normalOther; const actualTotalMonthly = actualHousing + actualFood + actualTransport + actualOther;
// Net increase per month (actual − normal + any savings credit already captured in normal) // Salvage credit reduces the effective normal cost (insurer deducts savings you gain) const adjustedNormalMonthly = normalTotalMonthly - salvageCredit;
const increasePerMonth = Math.max(0, actualTotalMonthly - adjustedNormalMonthly); const increasePerDay = increasePerMonth / AVG_DAYS_PER_MONTH;
// Total ALE for the displacement period const totalALE = increasePerDay * days;
// Clamp to policy limit const reimbursableALE = Math.min(totalALE, policyLimit); const cappedByPolicy = totalALE > policyLimit; const shortfall = Math.max(0, totalALE - policyLimit);
// Daily breakdown const normalPerDay = normalTotalMonthly / AVG_DAYS_PER_MONTH; const actualPerDay = actualTotalMonthly / AVG_DAYS_PER_MONTH; const salvagePerDay = salvageCredit / AVG_DAYS_PER_MONTH;
// Utilisation % const utilisationPct = policyLimit > 0 ? (reimbursableALE / policyLimit * 100) : 0;
// --- output --- resultEl.className = 'calc-result calc-success'; resultEl.innerHTML = ` ### ALE Estimate Results
ItemPer DayTotal (${days} days) Normal Living Expenses$${fmt(normalPerDay)}$${fmt(normalPerDay * days)} Mortgage/Rent Savings Credit−$${fmt(salvagePerDay)}−$${fmt(salvagePerDay * days)} Adjusted Normal Expenses$${fmt(normalPerDay - salvagePerDay)}$${fmt((normalPerDay - salvagePerDay) * days)} Actual Temporary Expenses$${fmt(actualPerDay)}$${fmt(actualPerDay * days)} Net ALE Increase$${fmt(increasePerDay)}$${fmt(totalALE)} Policy ALE Limit—$${fmt(policyLimit)} Estimated Reimbursable ALE—$${fmt(reimbursableALE)}
Policy Utilisation: ${fmt(utilisationPct)}% of your ALE limit.
${cappedByPolicy ? `⚠️ Your projected ALE ($${fmt(totalALE)}) exceeds your policy limit by $${fmt(shortfall)}. You would be responsible for the $${fmt(shortfall)} shortfall out-of-pocket. Consider negotiating an extended limit with your insurer or reducing temporary housing costs.
` : ''}
${increasePerMonth === 0 ? '⚠️ No net increase in living expenses was detected. ALE is only payable for costs above your normal living expenses.
' : ''}
- Daily rates calculated using 30.4375 days/month (365 ÷ 12). Actual insurer calculations may use calendar days. Consult your adjuster for final figures.
`; }
#### Formula
Step 1 – Daily Normal Expenses: Normal Daily = (Normal Housing + Normal Food + Normal Transport + Normal Other) ÷ 30.4375
Step 2 – Daily Actual Expenses: Actual Daily = (Actual Housing + Actual Food + Actual Transport + Actual Other) ÷ 30.4375
Step 3 – Daily Savings Credit: Savings Daily = Mortgage/Rent Savings ÷ 30.4375
Step 4 – Net Daily ALE Increase: ALE Daily = max(0, Actual Daily − Normal Daily + Savings Daily)
Step 5 – Total ALE for Displacement Period: Total ALE = ALE Daily × Displacement Days
Step 6 – Reimbursable ALE (capped by policy): Reimbursable ALE = min(Total ALE, Policy ALE Limit)
#### Assumptions & References
- ALE (also called "Loss of Use") covers only the increase in living costs above your normal pre-loss expenses — not the full cost of temporary housing.
- References: ISO Homeowners Policy Form HO-3 (2000 ed.), Section I – Coverage D; NAIC Homeowners Insurance Guide; IRC § 123 (exclusion for insurance proceeds for living expenses); IRMI Loss of Use definition.
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