What is the name of your state?Louisiana
My question is about the Loss of Use/ Additional Living Expenses aspects of mandatory evacuations. I live in Orleans Parish and we were subjected to two seperate mandatory evacuations by the authorities of two weeks each. Homeowner's insurance policies typically cover such evacuations for a two week period -- but what if they are two seperate and discreet orders? Also, there seems to be some confusion about this coverage in respect to the actual damage sustained or not sustained by the homeowners. Some people believe that this coverage is available for evacuees basically for the loss of usage of their home because of the evacuation (regardless of whether or not their houses sustained damage). Some adjusters want to pay only if there was damage to the home. Who is right?
Lastly, how is the value of such coverage determined? In the case of mandatory evacuations it seems that ALL living expenses (and not just ADDITIONAL living expenses) are covered by many policies since it is not a matter of people choosing to leave their homes.
It would be really helpful to have someone explain exactly the differences between coverage due to mandatory evacuations and additional living expenses because of an "uninhabitable" home. Finally, is there any agreed upon definition of "habitable" for one's home -- is lack of electricity sufficient to make a place uninhabitable? Lack of drinking water? Lack of a city infrastructure such as garbage collection, schooling etc.?
Thanks for your thoughts and advice!
My question is about the Loss of Use/ Additional Living Expenses aspects of mandatory evacuations. I live in Orleans Parish and we were subjected to two seperate mandatory evacuations by the authorities of two weeks each. Homeowner's insurance policies typically cover such evacuations for a two week period -- but what if they are two seperate and discreet orders? Also, there seems to be some confusion about this coverage in respect to the actual damage sustained or not sustained by the homeowners. Some people believe that this coverage is available for evacuees basically for the loss of usage of their home because of the evacuation (regardless of whether or not their houses sustained damage). Some adjusters want to pay only if there was damage to the home. Who is right?
Lastly, how is the value of such coverage determined? In the case of mandatory evacuations it seems that ALL living expenses (and not just ADDITIONAL living expenses) are covered by many policies since it is not a matter of people choosing to leave their homes.
It would be really helpful to have someone explain exactly the differences between coverage due to mandatory evacuations and additional living expenses because of an "uninhabitable" home. Finally, is there any agreed upon definition of "habitable" for one's home -- is lack of electricity sufficient to make a place uninhabitable? Lack of drinking water? Lack of a city infrastructure such as garbage collection, schooling etc.?
Thanks for your thoughts and advice!