Depending on the policy,
civil authorities coverage may start after a waiting period and last for two or more weeks.
Civil authority coverage provides income if your business is forced to closed — or access to your business is prevented — due to an act of civil authority, such as an evacuation or disaster.
Not exact matches
To break that down, if a
civil authority forces you to evacuate because of a direct and nearby fire which logically puts your own home at risk, additional living expenses
coverage may be available to you.
If a wildfire forced you to evacuate your home under instructions from a
civil authority, you could have access to
coverage for those additional living expenses, such as a hotel.
Santa Clarita renters insurance and policies in the surrounding area often have a provision that allows for loss of use
coverage to be triggered when a
civil authority forces you to evacuate due to a forest fire.
There are certain mandatory evacuation situations where you may have access to loss of use
coverage when ordered by a
civil authority, but there are specific criteria that must be met in order for this
coverage to be triggered.
In addition, if a
civil authority requires you to evacuate because damage was done to an adjacent building, you may have access to loss of use
coverage as well.
Renters insurance
coverage in that situation could extend to the additional living expenses that you incur as a result of being told by a
civil authority that you can't stay in your home due to nearby damage from a covered peril such as fire or wildfire.
If a
civil authority prohibits your use of the residence because of direct damage to a neighboring premise by a peril insured against,
coverage is available for additional living expenses.
During settlement negotiations with the
authorities, companies should be aware of the risk that the fact of a settlement, as well as any associated press
coverage or documents (such as a statement of facts in a DPA), may raise awareness of potential
civil claims, and in certain circumstances may even be relied upon to support such claims.
If a wildfire forced you to evacuate your home under instructions from a
civil authority, you could have access to
coverage for those additional living expenses, such as a hotel.
Santa Clarita renters insurance and policies in the surrounding area often have a provision that allows for loss of use
coverage to be triggered when a
civil authority forces you to evacuate due to a forest fire.
Civil Authority / Prohibited Access
coverage falls under Additional Living Expense
Coverage (ALE).
What happens after the 2 week Mass Evacuation
coverage and the 2 week
Civil Authority expires?
Mass Evacuation funds provide
coverage for any necessary and reasonable increase in living expense incurred while access to the «dwelling» or «unit» is prohibited by order of
civil authority for a period not exceeding 2 weeks from the date of the evacuation order.
In some cases, being told to evacuate by a
civil authority, such as what happens when there's a forest fire, also allows access to that additional living expense
coverage.
Renters insurance
coverage in that situation could extend to the additional living expenses that you incur as a result of being told by a
civil authority that you can't stay in your home due to nearby damage from a covered peril such as fire or wildfire.
In addition, if a
civil authority requires you to evacuate because damage was done to an adjacent building, you may have access to loss of use
coverage as well.
To break that down, if a
civil authority forces you to evacuate because of a direct and nearby fire which logically puts your own home at risk, additional living expenses
coverage may be available to you.
If a
civil authority prohibits your use of the residence because of direct damage to a neighboring premise by a peril insured against,
coverage is available for additional living expenses.
Businesses affected by Harvey may also not realize that policies often provide
coverage for mandatory evacuations ordered by
civil authorities, forcing a business to close, which could help industrial and retail sectors, Dove says.