BATON ROUGE — Louisiana Commissioner of Insurance coverage Jim Donelon has begun airing a radio message within the areas affected by Hurricane Ida advising policyholders of their proper to get well meals, lodging and different bills ensuing from their evacuation.
On Sept. 7, Commissioner Donelon issued Directive 218, which requires insurers to pay claims for lack of use to policyholders who evacuated or have been prohibited from utilizing their premises due to the storm.
“I’ve instructed insurers to pay evacuation bills together with meals and lodging,” stated Donelon within the radio spot. “There have been sufficient advance warnings from elected officers to justify your choice to evacuate. Getting out of hazard’s method was the proper choice, and now our insurance coverage firms should reside as much as their settlement to cowl your evacuation bills.”
Donelon’s mandate for insurers to offer protection applies to insurance policies within the 25 parishes listed in Emergency Rule 47, a measure issued beforehand to guard policyholders from cancellations and non-renewals after Hurricane Ida. President Joe Biden additionally urged insurance coverage firms to pay individuals’s evacuation bills throughout his go to to St. John the Baptist Parish. The commissioner urged policyholders to retain all receipts for any bills they incurred because of the hurricane.
“Most householders have insurance policies that embrace protection for lack of use,” stated Donelon. “That clause usually covers additional bills for as much as two weeks when an evacuation order prohibits policyholders from dwelling of their houses. The protection pays the bills past a policyholder’s regular bills for housing and meals, equivalent to the price of a resort room and cheap restaurant meals when somebody is unable to cook dinner.”