How to Use Travel Calcs

When property damage forces you into temporary housing, your daily travel may change. You may need to drive farther to work, school, medical appointments, daycare, errands, repairs, inspections, contractor meetings, or other regular destinations. Those extra miles and added travel time can become part of your Loss of Use or Additional Living Expenses documentation.

Travel Calcs helps calculate the real-world impact of that displacement. You can enter your loss address, temporary housing address, and key daily destinations. The tool maps routes, measures distance and time, and creates a structured, downloadable PDF that helps document your increased travel for an insurance claim.

When to Use Travel Calcs

Use Travel Calcs when you need to show how temporary housing has changed your normal transportation needs.

This tool can be especially helpful when you are:

Living somewhere else because your home is damaged or under repair
Tracking increased mileage after a covered loss
Documenting longer commutes to work or school
Calculating additional trips caused by the claim or repair process
Preparing Loss of Use or Additional Living Expense documentation
Supporting reimbursement for increased travel costs
Organizing trips for multiple drivers
Creating reports for different time periods during your claim
Showing your insurance carrier how displacement affected your travel

The tool helps move travel expenses from rough estimates to organized, route-based documentation.

What You Need Before You Start

Before using the tool, gather the addresses and travel information you want to calculate.

Helpful information may include:

Your original home or loss address
Your temporary housing address
Work addresses
School or daycare addresses
Medical appointment locations
Contractor meeting locations
Material pickup locations
Inspection or re-inspection locations
Other regular destinations affected by your displacement
The relevant date range for the travel
Names of drivers, if multiple household members are affected

You do not need to calculate distances manually. The tool maps routes and measures travel impact for you.

How to Use the Tool

Go to the Travel Calcs tool in the Loti Toolbox.
Select Get Started.
Enter your original loss address.
Enter your temporary housing address.
Add your key daily or claim-related destinations.
Review the mapped routes and calculated travel distances.
Add or separate drivers if needed.
Create reports for the relevant dates or time periods.
Export the structured PDF.
Save the PDF with your Loss of Use or claim documentation.
Share the report with your insurance carrier, Loti team, claim professional, or other support as needed.

The tool is designed to make additional travel easier to quantify and easier to explain.

What the Tool Creates

Travel Calcs creates a downloadable PDF that documents increased travel in a clear, structured format.

Your report may include:

Original home or loss address
Temporary housing address
Key destination addresses
Real-world route calculations
Distance changes
Time changes
Mileage tracking
Trip details
Multiple drivers, if applicable
Separate reports for different claim timeframes
A clean, insurance-ready PDF

This report can help support conversations about travel-related Loss of Use or Additional Living Expense reimbursement.

How Travel Calcs Measures the Impact

Travel Calcs compares travel connected to your original home and your temporary housing situation.

For example, it can help show the difference between:

Your usual commute from home to work
Your new commute from temporary housing to work
Your child’s usual route to school
A longer route caused by displacement
Additional trips to your damaged home
Trips to meet adjusters, contractors, inspectors, or restoration professionals
Travel to purchase repair materials or replacement necessities

By mapping actual routes, the tool helps calculate the real-world mileage and time impact instead of relying only on guesses.

Tracking Multiple Drivers

Some claims involve more than one driver.

For example:

One spouse may have a longer commute to work.
Another household member may drive children to school.
A parent may make additional trips to the damaged home.
Multiple drivers may need to attend inspections or contractor meetings.

Travel Calcs can help track multiple drivers and generate separate reports for different timeframes, which makes the documentation easier to organize as your claim evolves.

Using the PDF in a Loss of Use Claim

The Travel Calcs PDF can help support the transportation portion of a Loss of Use or Additional Living Expense claim.

You may use the report to document:

Increased mileage
Increased commute time
Additional trips caused by displacement
Travel to and from temporary housing
Travel to the damaged property
Trips to contractors, inspections, or repair-related appointments
Separate drivers and date ranges
The basis for mileage reimbursement calculations

The PDF does not guarantee payment, but it gives your insurance carrier a clearer, more organized record to review.

Tips for Better Travel Documentation

For the best results:

Use accurate addresses.
Separate normal daily travel from claim-related extra travel.
Track dates and trip purposes.
Note which driver made each trip.
Keep parking, toll, transit, rideshare, or fuel receipts when relevant.
Save temporary housing documentation with your travel report.
Create separate reports if your temporary housing location changes.
Update your documentation as your claim progresses.
Review your policy’s Loss of Use or ALE language.

The stronger your travel documentation, the easier it may be to support reimbursement requests.

Troubleshooting

What is Travel Calcs used for?

Travel Calcs helps calculate and document increased travel caused by displacement from your home after property damage.

Is this only for mileage?

No. The tool can help document both distance and time changes. You should also keep separate receipts for parking, tolls, transit, rideshare, fuel, or other transportation costs if they apply.

Can I track more than one driver?

Yes. The tool supports multiple drivers so you can separate travel impact by household member or claim participant.

Can I create reports for different time periods?

Yes. This can be helpful if your temporary housing changes, your commute changes, or your claim has multiple phases.

Does this tool submit expenses to my insurance company?

No. Travel Calcs creates an organized report you can use with your claim documentation. It does not submit the claim or guarantee reimbursement.

Does insurance cover increased travel?

Coverage depends on your policy, the cause of loss, your Loss of Use or Additional Living Expense coverage, and your insurance carrier’s review. Travel Calcs helps document the travel impact so it can be submitted and evaluated.

Should I keep receipts?

Yes. Keep any related receipts, including parking, tolls, fuel, transit, rideshare, rental car, or other transportation expenses. The Travel Calcs report works best when paired with supporting records.

Why This Tool Matters

When you are displaced from your home, the extra travel burden can add up quickly.

A longer commute, additional school drop-offs, repeated trips to the damaged home, contractor meetings, inspections, and repair errands can all create costs and inconvenience. Travel Calcs helps quantify that impact and turn it into a clear, structured report.

When every mile matters, organized documentation can help support your claim and reduce confusion during the review process.