FOR IMMEDIATE RELEASE
Kim Kirchner, Coburn Communication: (212)-536-9837; Kim.Kirchner@coburnww.com
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ROHNERT PARK, CA, November 15, 2018 —Californians who were ordered to leave either their homes or rental units by local authorities this month due to the state’s wildfires should consider filing an additional living expenses (ALE) claim, according to the Insurance Information Institute (I.I.I.).
The ALE portion of a standard homeowners and renters insurance in California pays the additional costs of living away from your residence if you cannot live there due either to a mandatory evacuation or if your home is now uninhabitable because of wildfire-caused property damage.
Additional costs usually covered under an ALE claim include hotel bills, rental of a home/apartment during rebuilding, restaurant meals, and transportation over and above your usual living expenses.
ALE coverage in homeowners and renters insurance policies generally have monetary limits, may have a deductible, and some policies may include a time limitation. These limits, however, have no impact on the amount of monies available either to rebuild your home’s structure or replace damaged or destroyed belongings (homeowners) or replace the personal possessions in your residence (renters).
THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.
Insurance Information Institute, 110 William Street, New York, NY 10038; (212) 346-5500; www.iii.org