Loss Adjustment Expense (LAE)

What it costs the insurer to investigate and settle a claim — adjusters, experts, lawyers — separate from the claim payment itself.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.