Yes. If your home is uninhabitable due to a covered loss — fire, storm, hail, water damage, smoke damage — your homeowners insurance ALE (Additional Living Expense) coverage pays for furnished housing. Most standard Oklahoma homeowners policies include ALE coverage equal to 20% to 30% of your dwelling coverage limit. Call 918-992-0533 for assistance.
With 152 tornadoes in 2024 and consistent hail, wind, and fire claim volume, Oklahoma generates more ALE activations per capita than most states. Tulsa specifically experiences significant storm activity every spring, and it is not unusual for a single hail event to trigger ALE claims across dozens of Tulsa zip codes simultaneously. This claim volume has made Tulsa adjusters, TPAs, and housing providers experienced with the ALE process — which generally works in the policyholder’s favor.
HeyStay has placed families from storm, fire, water, and mold claims across Tulsa, Broken Arrow, Owasso, Sand Springs, Jenks, and Bixby. The billing process is established and the property inventory is maintained specifically for ALE placement purposes. A same-day phone call to 918-992-0533 is typically enough to confirm availability, get a rate for adjuster approval, and begin the move-in process.
Many displaced Tulsa families assume a hotel is the “safe” choice because they are not sure what insurance will cover. The math typically favors a furnished home. A Tulsa hotel at $120 to $150/night runs $3,600 to $4,500/month. A HeyStay furnished home runs $1,800 to $2,800/month all-inclusive for a 2 to 4 bedroom property. Over a 4-month displacement, the hotel option consumes $14,400 to $18,000 of ALE budget versus $7,200 to $11,200 for a furnished home — a difference of $5,000 to $10,000 that remains in your ALE limit for extensions if repairs run long.
Beyond cost, the quality-of-life difference is significant. Families in whole homes maintain closer to normal family routines. Children have bedrooms. Families can cook. Pets can be accommodated in a home with a yard rather than being boarded separately. For displacements that run 60 days or longer, this difference matters enormously.
Yes. If your home is uninhabitable due to a covered loss — fire, storm, hail, water damage, smoke damage — your homeowners insurance ALE (Additional Living Expense) coverage pays for furnished housing. Most standard Oklahoma homeowners policies include ALE coverage equal to 20% to 30% of your dwelling coverage limit.
Insurance covers furnished housing that is comparable to your primary residence. For a typical Tulsa family in a 3-bedroom home, comparable housing means a 3-bedroom furnished home with a real kitchen, appropriate living space, and a residential setting. Furnished whole-home rentals like those HeyStay provides meet this standard. Hotels may qualify for short periods but are generally not comparable for families with children or pets, or for extended displacements.
HeyStay bills your insurance carrier or TPA (third-party administrator) directly. You provide your claim number and adjuster contact. HeyStay sends monthly invoices to the carrier and receives payment directly. You are not required to pay rent out of pocket and wait for reimbursement. This direct billing structure is standard practice for ALE placements with professional housing providers.
HeyStay has worked with placements from State Farm, Allstate, Farmers, USAA, Liberty Mutual, Oklahoma Farm Bureau, Mid-Continent Group, and through TPAs including Sedgwick, Crawford & Company, Gallagher Bassett, and Alacrity Solutions. Each carrier and TPA has slightly different approval processes, but all operate within the same ALE framework. Contact HeyStay with your carrier name and adjuster contact and we manage the billing setup.
This is not accurate under most standard Oklahoma homeowners policies. ALE coverage requires comparable housing — not just any housing. A hotel is not comparable to a family home in bedroom count, kitchen access, or living space. You have the right to request comparable furnished home housing. If your adjuster is initially resistant, ask them to cite the specific policy language that limits ALE to hotels. Most adjusters will approve a comparable furnished home placement when asked directly.
Call or text: 918-992-0533 | Email: corporate@heystay.com
Monthly contracts. Direct billing. Same-day placement. Complimentary housekeeping included.
HeyStay is an independent furnished housing provider in Tulsa, Oklahoma. We are not affiliated with, endorsed by, or a partner of any hospital, health system, employer, insurance carrier, or other entity mentioned on this page.
Whether you are a general contractor looking for crew housing, an HR director managing a corporaterelocation, an insurance adjuster needing immediate placement, or a restoration company looking for a preferred housing partner — we would love to hear from you.
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HeyStay is an independent furnished housing provider. We are not affiliated with, endorsed by, or a partner of any companies, hospitals, employers, or insurers mentioned on this website. Company names are referenced for geographic context and proximity information only. Insurance coverage depends on individual policy terms — consult your adjuster or carrier to confirm your specific ALE coverage.
