The Law of Rebuilding LA Episode 4: Additional living expenses and cleanup issues

Welcome to Episode 4 of "The Law of Rebuilding LA," where the Daily Journal continues its examination of insurance issues in LA's fire recovery process. In this episode, Daily Journal Contributing Editor Howard Miller continues his conversation with attorney Michael Bidart, focusing on critical aspects of additional living expenses coverage and debris removal.

The discussion reveals important policy changes and emergency provisions that significantly benefit policyholders during the rebuilding process.

Listen as Miller and Bidart explore:

• How additional living expenses coverage has evolved from "fair rental value" to expense-based reimbursement models
• The emergency provision allowing policyholders to receive four months of ALE without documentation
• Extensions of additional living expenses coverage from the standard 12 months to potentially 36 months under the California Insurance Code
• The policyholder's right to choose contractors for cleanup and debris removal work
• Common disputes over valuation and the potential for "lowballing" by insurance companies

Stay tuned for Episode 5, out Tuesday.

Missed an episode of The Law of Rebuilding LA? Catch up here.