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 if my insurer misses the acknowledgment deadline in Alabama?

All FAQs

Quick answer: Send a written follow-up that references the 15-day acknowledgment rule (Ala. Admin. Code r. 482-1-125-.06) and keep a copy. If the insurer still does not respond, file a complaint with the Alabama Department of Insurance (1-800-433-3966).

Missing the 15-day acknowledgment window does not erase your claim, but it is a signal worth acting on.

What should I do first if the deadline passes?

Send a written follow-up (email creates a timestamp automatically) that references the 15-day rule under Ala. Admin. Code r. 482-1-125-.06(1) and restates your claim number if you have one. Keep a copy of everything you send and receive.

When does a missed deadline become a regulatory issue?

If the insurer still does not respond after your written follow-up, you can file a complaint with the Alabama Department of Insurance Consumer Services division at 1-800-433-3966. A single missed deadline is sometimes an administrative slip, but a pattern of silence across multiple claims is exactly what the Department's complaint process exists to catch.

Does a missed deadline affect my claim outcome?

The deadline is about communication, not the merits of your claim. Missing it does not mean the claim will be denied, but documented delay can matter later if the claim is eventually denied and you believe the handling was unreasonable. See the acknowledgment timeline guide and how to file a complaint for the full process.

What does a written follow-up actually look like?

A short, dated email works well: state your claim number if you have one, the date you first reported the loss, and a line noting that Alabama regulation 482-1-125-.06 requires acknowledgment within 15 days. For example, a Mobile policyholder who reported wind damage on July 1 and heard nothing by July 20 would reference both dates directly in the follow-up, which creates a clear record if a complaint becomes necessary later.