When You Can Stay in Your Home
- Damage is limited to one room or area
- Water source is Category 1 (clean water only)
- No structural damage or electrical hazards
- Unaffected areas of the home remain safe and accessible
When You Should Temporarily Relocate
- Category 2 or 3 water damage: gray or black water creates health hazards requiring professional containment
- Extensive damage: multiple rooms, floors, or structural components affected
- Electrical system involvement: water reaching outlets, wiring, or the electrical panel
- Sensitive household members: infants, elderly, immunocompromised individuals
Additional Living Expenses (ALE) Coverage
Most homeowners policies include loss of use coverage (ALE), which covers hotel costs, increased meal expenses, pet boarding, storage, and other reasonable expenses above your normal living costs. Our team coordinates directly with insurance adjusters to maximize your ALE benefits.