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 LossOfUse@americas-insurance.com 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 be advised that ALE claims are subject to the deductible and 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. Example-lodging, food and transportation, not to include personal items such as clothes, medication, and household cleaning supplies.
All ALE claims are investigated and reviewed by an ALE team. Oftentimes, this means this portion of the claim will be handled separately from the property aspect. An ALE team member will only reach out to you if additional information is necessary.
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.
In most cases, contents will be handled separately from the property aspect of your claim. If contents damage is known, please report it to Contents@americas-insurance.com via email with the your claim # and last name in the subject. Please note in the body of the email if you would prefer to use a different email than the one you are emailing from. Within a few days of your email, you can be on the lookout for an email to the address given with instructions and a link to further assist the claims specialist in the handling of the contents portion of their claim.
Photographs should be taken showing damage of items prior to discarding any personal property, please try to document brands, model #s, etc.
After an adjuster performs the inspection of the property, they will prepare an estimate/report that will then go through 3 phases of review with the last being where a settlement package is prepared that includes payment if applicable. This settlement package provides an overview of the claim, as well as an itemized estimate of repairs. This process could take upwards of 30 days after the date of inspection. Americas does not assign desk adjusters for all claims. This settlement package is based purely off the field adjuster’s inspection and an Americas team member will only reach out to you if additional information is necessary to process your claim. The settlement package be mailed to all insureds; however, please remember that we are at the mercy of the USPS.
There could be differences found during the repair process that were not visible during the initial inspection. If you or your contractor discovers damages not addressed in our estimate, or arrives at a different total from our estimate, it is necessary to contact us before any repairs are started. Our adjuster will settle any differences with your contractor and start a “Supplement” process.
1. Detailed (itemized) documentation from you or your contractor MUST BE emailed to us at Supplement@americas-insurance.com. Please ensure that your name, address, and claim ID # are included.
2. After review of provided documentation, a claims specialist will reach out to discuss whether a supplement is merited and/or if a re-inspection is necessary.
3. Americas will mail a revised Settlement Package with additional payment if applicable.
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.
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.