Emergency Lodging Reimbursement (ELR)

Emergency Lodging Reimbursement (ELR)

Warning
Check the customer's contract to verify if ELR is included before discussing these benefits.
Info
Eligible properties may include the primary residence, second home, vacation home, or investment residential property listed on the participant’s enrollment.

Benefit

Cinch will reimburse up to $1,200 for lodging expenses (hotel or motel stay) if the customer’s residence becomes uninhabitable.

Covered Situations

  1. A sudden breakdown of the customer’s only air conditioning unit or furnace that leaves the unit non-operational for 24 hours or more after the first service visit, due to a delay in obtaining the required parts for repair.
  2. A sudden breakdown of water pipes that causes flooding in the residence, where water removal by the Service Professional is delayed by 24 hours or more after the documented service request was placed.
  3. Break-in, Theft, Tornado, Hurricane, Earthquake, Flood, Fire, Landslide, and Mandatory Evacuation.
AlertEmergency Lodging Supplemental Reimbursement will not pay for loss caused by or resulting from any breakdown to an air conditioning unit or furnace when it is not the only air conditioning unit or furnace servicing the residence. 

Business Rules

  1. ELR Claims are handled by Assurant.
  2. Customers can utilize this benefit one time per warranty term, if included in their warranty.
    1.  We must probe to verify if the customer has already used the benefit before offering it to them as a solution.
  3. The customer's warranty must be ACTIVE when an ELR Claim is opened with Assurant.
  4. If a customer submits a claim with Assurant and receives reimbursement for less than the maximum benefit, any remaining benefit amount is forfeited.

Reimbursement Limits and Key Definitions

  1. Maximum Benefit: $1200 maximum per member per 12-month period.
  2. Stay Options: 
    1. Up to 6 nights maximum $200 per night
    2. Up to 12 nights, maximum $100 per night.
  3. Claim Limit: one claim per occurrence and one claim per member per 12-month period.

Initiating a Claim

Customer Instructions:

  1. Call Assurant at (800) 859-8231, then select Option 2 to initiate a new claim.
  2. Advise they are placing a claim for the Emergency Lodging Reimbursement benefit.
  3. Provide our Group Number: HPI-040114.

Emergency Lodging Reimbursement Documentation Requirements

To process an Emergency Lodging Reimbursement, the following documentation is required:

  1. Completed Emergency Lodging Reimbursement Program Claim Form (this form is provided by Assurant when a claim is submitted and assigned to an adjuster)
  2. Lodging receipts (Acceptable: Hotel, Motel, Airbnb, or Vrbo)
  3. Job summary, including: 
    1. Date the service request was submitted.
    2. Date the job was completed.
    3. Explanation for any delays in completion.
Acceptable documentation may include:
  1. The service provider’s report or invoice, which includes the delay reason (such as ordering parts to complete the job, etc.).
  2.  A summary provided by Cinch.

Definitions

Term

Definition
Flooded

An overflowing of water that leaves submerged water in more than 1 room of the above-ground living areas of the residence (above the basement).

Hotel/Motel

A bona fide public lodging establishment.

Service Professional


An employee, independent contractor, or other hired and approved individual by the Named Insured on this policy to perform service repairs on its behalf for its members.


Uninhabitable

The residence, by reason of an event, is made unfit for use as a residence for a period in excess of 24 consecutive hours, or where it is obvious that alternative accommodation is needed either from a safety or health aspect.

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