The Louisiana Department of Insurance reviewed homeowners policies for Lake Charles residents relative to additional living expenses, LDI said in a news release issued Sept. 14.

The review came about after Mayor Nic Hunter of Lake Charles contacted Commissioner of Insurance Jim Donelon to discuss the pending termination of the Mandatory Evacuation Order for Calcasieu Parish and its implications for coverage of additional living expenses for residents of that parish.

After advising Hunter that every policy can contain different coverages for ALE, Donelon offered to have the policy forms for State Farm Insurance Company, Allstate Insurance, Louisiana Farm Bureau Group, United Services Automobile Association (USAA), and Insurance Services Offices (ISO) reviewed for ALE coverage.

ISO drafts and submits policy forms for approval for 77 homeowner insurers.

At Hunter’s request, Donelon participated in a conference call with the members of the Lake Charles City Council to advise them of the review’s findings.

The review found that, when policyholders were ordered out of their homes by a civil authority, such as the Mandatory Evacuation Order issued for Calcasieu Parish, all of the policy forms reviewed contained the same limitation of 14 days of coverage for such evacuations. ALE coverage for homes which were rendered uninhabitable by physical damage from Hurricane Laura are subject to the terms of their policies but generally provide coverage of one to two years maximum in such circumstances.

Donelon urged public officials and policyholders to reach out to LDI at 800-259- 5300 or www.ldi.la.gov if the department can be of assistance.