The ALE 36-month rule (your insurance clock, extended)

Not a rebate - a legal floor: for a covered loss tied to a declared state of emergency, additional living expenses (ALE) coverage runs no less than 24 months, and your insurer must extend to 36 months total when good-faith delays beyond your control (permit backlogs, material shortages, contractor unavailability) slow the rebuild. Further 6-month extensions are available for good cause.

After a disaster, the quiet deadline that shapes everything is the day your additional-living-expenses coverage stops paying for the roof you’re renting. California law gives declared-emergency survivors a 24-month floor and a documented path to 36. Most families never claim the extension because nobody kept the delay log. We keep the delay log.

Who qualifies

Policyholders with a covered loss connected to a declared state of emergency in California
Extension requires acting in good faith and with reasonable diligence - documented delays beyond your control

What we handle for you

We build every rebuild schedule against your ALE clock and document every delay that isn't yours - permit queues, material lead times, inspection backlogs - in the format insurers respond to. That documentation is often the difference between 24 funded months and 36. This is navigation, not legal advice; your policy and adjuster govern.

Pairs naturally with

Custom rebuilds

Source: California Insurance Code 2051.5 / 2060 (SB 872) · last verified 2026-07-06 · program terms, waitlists, and funding change; we re-verify before anything enters your proposal.