Hurricane IDA Claim FAQs

Additional Living Expenses (ALE)

Americas does not advance ALE payments. We have to investigate the facts of the loss to determine if there will be coverage under the policy and each claim is handled based on its own merit. We ask that you keep all of your receipts. You can submit the documentation you have at this point to for consideration and a claims specialist will review it further.

There are a lot of people that have been displaced and we are doing our best to work though this. We are in this together.

Please see sample policy language below.

1. Additional Living Expense - If a loss covered under Section I makes that part of the "residence premises" where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living. Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere.

2. Fair Rental Value - If a loss covered under Section I makes that part of the "residence premises" rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in. Payment will be for the shortest time required to repair or replace such premises.

3. Civil Authority Prohibits Use - If a civil authority prohibits you from use of the "residence premises" as a result of direct damage to neighboring premises by a Peril Insured Against, we cover the loss as provided in 1. Additional Living Expense and 2. Fair Rental Value above for no more than two weeks.

FEMA Assistance

FEMA is providing many different types of help to Hurricane Ida survivors. One of the available forms of assistance right now is Critical Needs Assistance, which can provide a one-time award of up to $500 to eligible survivors. Housing assistance is also available to eligible survivors.

Hurricane IDA survivors may qualify for generator and chainsaw reimbursement through FEMA.

Roof Tarping

Our adjusters are not responsible for tarping an insured’s roof. However, if you have damage to your roof and you tarp it yourself or through a contractor to mitigate further damages, you can submit all receipts/invoices to your adjuster for further review. We also ask that they take pictures before tarping to be submitted to your adjuster.

Operation Blue Roof is a priority mission managed by the U.S. Army Corps of Engineers for the Federal Emergency Management Agency. The purpose of Operation Blue Roof is to provide homeowners and permanently occupied rental properties in disaster areas with fiber-reinforced sheeting to cover their damaged roofs until arrangements can be made for permanent repairs. This is a free service to homeowners. Operation Blue Roof protects property, reduces temporary housing costs, and allows residents to remain in their homes while recovering from the storm.