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Reconciliation6 min read
A public adjuster's guide to monthly ALE reconciliation
ALE is recurring. A repeatable monthly reconciliation keeps long claims organized and prevents rebuilding the schedule from scratch.
ALE claims are rarely settled in a single submission. Displacement can last months, and each month generates a new batch of receipts, bills, and possibly a partial payment. Without a repeatable reconciliation, public adjusters end up rebuilding the schedule by hand every period — which is slow and error-prone.
What a monthly reconciliation contains
For each claim period, the reconciliation should show:
- Incurred expenses by category
- The normal baseline offset for each category
- The net additional for the period
- Prior payments and advances applied
- The current net amount requested
Reconcile prior payments carefully
ALE advances and partial payments must be tracked against categories and periods, not just applied as a lump sum. Reconciling them precisely prevents both double-counting and leaving money on the table, and it keeps a long claim auditable from start to finish.
Make it repeatable
The advantage of a consistent monthly structure is compounding: each period builds on the last, the baseline only needs to be established once, and the final package is simply the sum of clean monthly schedules rather than a last-minute reconstruction.
Educational content only. This is not legal advice or a guarantee of coverage; final coverage and payment decisions depend on the policy, facts of loss, carrier review, and the public adjuster's professional judgment.
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