We have State Farm insurance. We lost our home in the East Troublesome fire. It was a total loss. We have rebuilt in a different location and moved into our new home. Before we close out our ALE claims, I was doing some research and here at your website I saw that reconnection fees for setting up services at the rebuilt home were part of ALE. We paid so far about $60,000 in fees, listed below.
Telephone $200 Network Extender
Internet $ ?
Water Well and pump $33,000 – $40,000 (still open as work is ongoing)
Sewage Septic System $12,000 estimated
Recently our adjuster at SF has denied a mileage claim we submitted taking the position that our rebuild in another state (MT) was a “personal choice” and doesn’t qualify for ALE. This amounts to about $4000. We are currently arguing this with them, but feel that even if we submitted the above $60,000 reconnect fees they would pose the same argument. Do you have any suggestions of what we could say to help us receive the ALE we are entitled to?