Yes, it’s possible to still get loss-of-use reimbursement when staying with a friend or relative. Some costs may still be reimbursed so long as you have been forced to live elsewhere due to a covered loss, Walker says.
She also notes that your ALE coverage may be subject to a deductible before the coverage kicks in. So, living with a friend or relatives might help you save on overall costs by preventing you from having to make an ALE claim at all.
And even if your losses are steep enough that you have to use your policy -- and pay your deductible -- staying with friends and relatives can still save you money since your ALE coverage likely has limits that you do not want to exceed.
"Staying with friends or relatives may help you save on expenses that may not be covered," Walker says.