Homeowners Loss-of-Use Cash Burn Calculator

Know exactly how long your additional living expense coverage will stretch while repairs are underway. Enter the remaining loss-of-use limit, your nightly lodging cost, and daily incidentals to see daily, weekly, and monthly burn rates plus how many days of coverage remain. Optional fields factor in insurer advances and your projected displacement timeline so you can spot gaps early and line up reserves, extensions, or temporary rentals.

Remaining additional living expense coverage after any prior reimbursements.
Hotel, short-term rental, or extended-stay nightly rate you expect to pay.
Incremental food, laundry, pet boarding, and commuting costs per day.
Subtract any emergency advance the insurer has already disbursed.
How many days you expect to be out of the home; leave blank if unknown.

Planning aid only. Confirm eligible expenses and time limits with your adjuster before committing to housing contracts.

Examples

  • $45,000 ALE remaining, $220 nightly housing, $85 daily incidentals, $5,000 advance, 180-day displacement ⇒ Remaining ALE balance: $40,000.00 USD • Daily burn rate: $305.00 USD • Weekly burn: $2,135.00 USD • Monthly burn (30 days): $9,150.00 USD • Coverage runway: 131.15 days (4.37 months) Coverage runs out 48.85 days before your 180.00-day target. You would need $14,899.25 USD more.
  • $28,500 ALE, $165 nightly housing, $60 daily incidentals, advances blank, displacement blank ⇒ Remaining ALE balance: $28,500.00 USD • Daily burn rate: $225.00 USD • Weekly burn: $1,575.00 USD • Monthly burn (30 days): $6,750.00 USD • Coverage runway: 126.67 days (4.22 months)

FAQ

Does this include your normal mortgage or rent?

Loss-of-use coverage usually pays only the incremental amount above your normal housing cost. Add your baseline mortgage or rent back to the daily burn if your policy reimburses gross housing expense.

How should I handle seasonal rate changes?

Use the highest expected nightly rate for conservative planning, or rerun the calculator for each season and average the results for a blended forecast.

What if my insurer advances funds in stages?

Update the advance field each time a payment arrives so the remaining ALE balance reflects what is still available for future reimbursements.

Can this estimate tax implications?

No. Loss-of-use reimbursements are generally not taxable, but consult a tax professional if you receive payments beyond reimbursed expenses.

Additional Information

  • Loss-of-use coverage typically reimburses the gap between pre-loss living costs and your temporary setup—track actual receipts to stay audit-ready.
  • Insurers often require updated contractor schedules; rerun this calculator when repair timelines or rental rates change.
  • If the policy has a time cap (12 or 24 months) in addition to a dollar limit, compare that deadline to the coverage runway above.

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