LDI urges residents to check ALE coverage ahead of Hurricane Francine

The Louisiana Department of Insurance issued guidance for residents who have a homeowners policy with supplemental living expense (ALE) coverage prior to Hurricane Francine.

ALE coverage pays for additional living expenses, such as hotel stays and food, while a policyholder’s home is inaccessible following a loss of covered property. Insureds who have ALE coverage and live in a mandatory evacuation area may be eligible for short-term ALE coverage for up to 14 days while the insured is prohibited from returning home.

If a mandatory evacuation is not declared, policyholders with ALE coverage may still be eligible for these expenses, depending on the terms of their policy, the accessibility of their property, and other factors.

“It is extremely important that policyholders understand what their policy does and does not cover,” said Commissioner Tim Temple. “If you are unsure whether you have ALE coverage that would be triggered by the evacuation due to Hurricane Francine, I urge you to contact your insurance agent or company immediately.”

ALE coverage is not provided in all homeowners insurance policies, and some policies contain different terms that must be met in order to receive a payment under the policy. If a policyholder has ALE coverage, they should keep receipts for all expenses that could be reimbursed through ALE, including but not limited to hotel receipts, meal vouchers, and more.

Francine is expected to make landfall in Louisiana on Wednesday as a Category 1 hurricane.

Source: LDI

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Catastrophe Natural disasters Hurricane