Louisiana P&C Adjuster Practice Exam

When Kimberly files a claim for increased living expenses after a hurricane evacuation, how long will the payments cover?

1. One week

2. Two weeks

3. Three weeks

4. Four weeks

The correct answer is: Two weeks

When a claimant like Kimberly files for increased living expenses after being evacuated due to a hurricane, the standard duration for which these payments are typically covered is two weeks. This coverage aligns with many insurance policies that address additional living expenses. The intent behind this provision is to assist policyholders during a short-term displacement caused by a natural disaster. While some insurance policies may extend this coverage based on unique circumstances or additional endorsements, the baseline coverage of two weeks is widely recognized and is intended to provide immediate relief as the situation unfolds. This allows insured individuals to secure temporary accommodations, food, and other living necessities during the critical initial period following an evacuation due to a hurricane. Understanding this timeframe helps both adjusters and claimants manage expectations effectively during the recovery phase.