![]() Twenty-five percent of flood insurance claims in the state are made by people who reside outside high-risk flood zones. Louisiana is the wettest state in the continental U.S., receiving 60 inches of rain per year. Even if you are not in an area that requires flood insurance, it may be a financially good decision to purchase a policy. Those who live in high flood risk areas may need it to qualify for a mortgage. You will need to review your flood coverage insurance to determine whether or not you can obtain ALE if your home suffers water damage during a hurricane.įlood insurance is not legally required in Louisiana. One area that may not be covered is if your home suffers damage from flooding. If your home suffers no damage, your ALE will not cover expenses for any stays beyond the required evacuation date. For instance, if your community is required to evacuate due to a hurricane targeting your home, you may be able to receive ALE while you are under the evacuation order. If your home does not suffer damage but your community is under a mandatory evacuation order, you may be able to obtain additional living expense coverage. If you are in temporary housing that allows you to cook meals, your weekly or monthly expenditures should not exceed your normal spending prior to the disaster. These same criteria are used for purchasing groceries. Any amounts spent over that will come out of your pocket. You will receive what they consider a normal food allowance. You also want to find out how reimbursements are handled.Īn insurance company will not pay for expensive, fine dining in restaurants. While restaurant expenses are common with ALE claims, you need to confirm with your insurance adjuster what they consider to be a reasonable food expense. ![]() If you are struggling with receiving compensation from your insurance company, you need to contact a Hurricane Ida insurance lawyer for assistance. Those are items that you must file a claim for under other parts of your homeowner’s insurance policy. The additional living expense coverage in homeowners insurance is designed to pay the difference between what you usually spend and what you must now pay because of not living in your home.Īdditional living expense coverage will not pay for the structural damage to your home or loss of personal belongings. The insurance company will evaluate your additional living expense coverage claim to see how it compares with the cost of your normal lifestyle. Costs for moving from temporary housing to repaired home.Set-up fees for utilities at temporary housing location.Insurance policy cost for insurance on contents of temporary housing.Increased travel expenses to work because of your temporary housing location.Cost of using a laundry facility because you no longer can do laundry at home.Other costs include staying in alternative housing until your home is inhabitable again, and: It will cover things such as the increase in your monthly food bill caused by needing to dine in restaurants rather than at home. The importance of ALE becomes apparent following a natural disaster. ![]() The coverage pays the additional living expenses you incur when you are temporarily displaced from your residence. You can usually find the information under the “loss of use” section of your policy. What Is Additional Living Expense Coverage?ĪLE coverage is provided through your homeowner’s insurance policy. If you are unsure about ALE coverage or how to file an additional living expense coverage claim, keep reading to get answers to these and other important questions. This includes any evacuation-related receipts, including gas, food, and accommodations. This is a benefit of your homeowner’s insurance.įollowing any type of storm, you need to make sure you follow proper steps to prevent delays in processing your homeowner’s insurance claim. You may find yourself with a legal battle on your hands.ĭuring your time of recovery from the loss of your home and belongings, you may qualify for an additional living expense (ALE). Even with proper insurance policies in place, homeowner’s insurance companies resist paying. Hurricane Ida has left behind destruction in Louisiana that will take months, likely years, to recover from. This includes 13 severe storms, 7 tropical cyclones, 1 drought, and 1 wildfire event. The country set a record in 2020 with $22 billion-dollar climate and weather disaster costs. What we are talking about is additional living expense coverage.īetween 2018 to 2020 there were 50 weather and climate disasters in the U.S. We are not referring to your favorite brew. When you suffer a dramatic loss, such as the devastation caused by Hurricane Ida, your first thought may be the need for ALE.
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