![]() To upload documents or create an online account follow these steps: Include the following information on all documents: Your name last four digits of your social security number your nine-digit FEMA applicant number and the FEMA disaster number DR-4614-NJ. To be considered for LER, eligible applicants must submit verifiable lodging receipts or itemized statements with the following information: The name of the applicant or co-applicant, information for the lodging provider (name, address and phone number), dates of occupancy and the amount of expenses incurred.Īpplicants can upload their receipts online to their account. Insurance policies may include Additional Living Expenses or Loss of Use coverage, which is a benefit that provides supplemental money to cover increased costs, including temporary housing, when you are unable to live in your home due to a loss covered by insurance. You may be considered for LER from FEMA if you have not received lodging assistance from any other source (e.g., voluntary organization) for the same dates the applicant is requesting LER.īy law, FEMA cannot duplicate benefits of insurance. To be considered for LER your pre-disaster primary residence must be unlivable, inaccessible or affected by an extended disaster-caused utility outage. ![]() What is Lodging Expense Reimbursement (LER)?įEMA may be able to provide reimbursement to eligible disaster survivors for out-of-pocket lodging expenses that are not covered by insurance benefits such as additional living expenses or loss of use. And, it will increase the value of my property, and for all the increases in my policy over the years.more than $850/year over the past several years of increased, with no claims, and I told my insurance company, at least this way, I could justify their unrealistic rate increases.which have been across the board, especially in higher claim states.New Jersey residents in Bergen, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Union and Warren counties who incurred expenses for short-term lodging because of Hurricane Ida, you may be eligible for reimbursement from FEMA. A couple of PAs whom I spoke with thought this was a rather clever idea, and it keeps me and my animals on my property. I was aware that I an entitled to Like Accommodations, and I told my insurance company, I have 1.35 acres of land, and, I asked my contractor if he could build me alternate living accommodations for my A.L.E., and make it a permanent structure and he said sure!! That is the course I chose, add I have animals, and a fenced in yard, and I am also disabled, and I am not going to be able to afford, nor do I want Rio live in somebody else's house, or assortment, and pay mortgage and refer, and utilities, and maintenance and upkeep on two properties. With my claim, earlier this year from a small tornado that did a lot of damage by one huge tree that fell into, then broke off and was also dropped on my house, which is two impacts from the same tree. Please contact a public adjuster to submit a question to one of our insurance claim experts. With the flooding and wind damage caused by Hurricane Irma, the claims settlement and restoration process is going to take longer than you may think, so be sure you are adequately covered and comfortable in your temporary residence.Īs always, the public insurance adjusters at Tutwiler & Associates are here to help with any property insurance related questions you may have. Do not be afraid to challenge your insurance carrier on this issue. Please keep in mind that you are entitled to maintain the same standard of living you had prior to your loss. ![]() It could be half the size of your damaged home. Some insurance companies will put their clients into their temporary housing program, which is usually an apartment setting. One tip we give clients is to use one credit card so they can easily print a statement out to document their ALE expenses when they submit their insurance claim to the insurance company. This is why it is very important to keep detailed records of receipts for all related transactions. Please keep in mind that this coverage is based on what you “incur” meaning you have to spend the money first before your insurance company will reimburse you. Under the Additional Living Expense coverage, you and your family may be entitled to rent another home of the same size, like kind and quality as well as be reimbursed for any extra expenses you incur such as food and temporary lodging. If your Florida home was severely damaged by Hurricane Irma or Harvey to the extent that it is uninhabitable to live in, your insurance policy may provide a coverage called “Additional Living Expense” or “A.L.E.” if it is a covered loss.
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