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 should I include in an insurance complaint in Alabama?

All FAQs

Quick answer: Include your policy number and claim number, the dates of key events, copies of your correspondence with the insurer, a short description of what went wrong, and the resolution you are seeking. The more complete the file, the faster the Department can review it.

A complete complaint file gives the Alabama Department of Insurance everything it needs to review your case quickly, instead of having to come back and ask for missing pieces.

What identifying information should I include?

Your policy number and claim number, plus the insurer's name, so the Department can immediately locate the relevant file rather than searching by your name alone.

What timeline details matter?

The dates of key events: when you reported the loss, when the insurer acknowledged the claim, when (or whether) it made a decision, and any deadlines under Ala. Admin. Code r. 482-1-125 that were missed. Specific dates let the Department check the insurer's conduct against the actual regulatory timeline.

What documentation should I attach?

Copies of your correspondence with the insurer (emails, letters, denial notices), a short, factual description of what went wrong, and the specific resolution you are seeking, whether that is a corrected decision, a payment, or simply an explanation.

Does a more complete file actually help?

Yes. A Gulf Shores policyholder who submits dates, documents, and a clear ask gives the Department a file it can act on immediately, rather than one that requires a follow-up request before review can even begin.