While ALE is broad coverage, it is only for expenses to maintain the insured's normal standard of living. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: This was a total loss house fire. A 7,000 square foot house burned to the ground.

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