Has anyone out there heard of the Texas Windstorm Insurance Association? We are getting calls from homeownwers who have been denied the money they’re owed because the windstorm carrier says their home was damaged by flood and the flood carrier says their home was destroyed by wind. If your home suffered both flood and wind damage, we want to hear your story. Tell us if your windstorm coverage carrier is using flood as an excuse not to pay you what you are owed on your wind claim.
TWIA covers the Texas Gulf Coast counties of Aransas, Brazoria, Calhoun, Cameron, Changers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy.
TWIA also covers designated communities in Harris County that are east of State Highway 146. (Pasadena, Morgan’s Point, Shoreacres and La Porte.)
Posted by Rene on Tuesday, March 31, 2009 at 8:07 am
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I get a lot of questions about what is covered as additional living expenses or “ALE.” ALE covers most things that you have to pay for because your home is unlivable.
MILEAGE: If you are out of your home and having to travel an 30 additional miles to/from work, the vast majority of homeowners insurance policy’s ALE will cover these additional expenses. So keep track of those miles and submit them to your carrier. They generally reiumburse at the current published IRS reimbursement rate.
DRY CLEANING/LAUNDRY: If your alternative living conditions don’t have a washer and dryer and you have to get clothing dry cleaned, ALE should cover those costs.
EXTRA CHILD CARE: ALE should also cover alternative child care. For example, if you regularly care for your children in your home, but your home is uninhabitable, especially for kids, then ALE should cover the cost of day care. Also, if your temporary living situation is too far from your regular child care and you have to find a second caregiver, then ALE covers you.
UTILITIES: If you are staying in a house or apartment where you must pay for all or a portion of the utilities, then those costs should be reimbursed under your ALE coverage. These expenses should be covered even if you are still paying the utility bills for your home.
These are just some of the examples of additional expenses that homeowners incur when they are forced out of heir homes. Make sure to review all of the extra costs you have to see if they should be reimbursed. Insurance companies should tell you this, but they don’t.
Posted by Steve on Thursday, March 12, 2009 at 10:25 pm
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