Opinion ID: 1914629
Heading Depth: 1
Heading Rank: 3

Heading: Reimbursement of Living Expenses

Text: On June 18, 2001, Ruesink wrote to Choharis asking him to submit a schedule of normal, pre-loss expenses including a dollar amount for meals eaten outside of the residence premises, phone and utility expenditures, and other related housing expenses in order to process his additional living expenses. On November 15, 2001, Ruesink informed Choharis that a review of his receipts was ongoing and that the information he submitted was insufficient to accurately calculate his Additional Living Expense (ALE) reimbursement. Ruesink asked Choharis to complete an ALE form at his earliest possible convenience because it was necessary to calculate any reimbursement. On November 20, 2001, Choharis submitted an ALE worksheet with the necessary information for reimbursement. Choharis maintains that this was the first time that he was made aware of such a form. Choharis argues that State Farm gave a series of pretexts over the course of a year for withholding payments owed to him. State Farm objected to his valet laundry costs as neither reasonable nor necessary and refused to pay for his laundry and long distance calls because they were not a part of his living expenses before the loss. Choharis argues State Farm never indicated that it would not permit these kinds of expenses which Choharis contends were entirely foreseeable.