Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

What happens after I file a complaint in Alabama?

All FAQs

Quick answer: The Alabama Department of Insurance typically notifies the insurer and requests a written response, then reviews the company's answer against Alabama's claims-handling requirements. You are kept informed of the outcome.

Filing a complaint with the Alabama Department of Insurance starts a specific review process, not just a mailbox that receives your letter.

What does the Department do with my complaint?

The Department typically forwards your complaint to the insurer and requests a written response. It then reviews the insurer's answer against Alabama's claims-handling requirements, including the acknowledgment and decision deadlines under Ala. Admin. Code r. 482-1-125.

Will I be kept informed?

Yes. The Department keeps you informed of the outcome of its review, though the exact timeline varies by complaint volume and complexity. Keeping your own copy of everything you filed makes it easier to follow up if the review takes longer than expected.

What if the Department finds a violation?

The Department has regulatory authority over the insurer's conduct and can take action against a company that violates Alabama's claims-handling standards. This is separate from, and does not replace, your own right to pursue an internal appeal or, in serious cases, a bad-faith claim. See what to include in a complaint before you file.

What is a realistic timeline for this review?

Complaint review timelines vary with the Department's current volume and the complexity of the underlying claim, so there is no fixed number of days published for every case. Keeping a copy of your original complaint and any reference number the Department gives you makes it straightforward to follow up if you have not heard back within a few weeks.