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.

How do I file a complaint against an insurance company in Alabama?

All FAQs

Quick answer: File a complaint with the Alabama Department of Insurance. You can start it through the Consumers section at aldoi.gov (File a Complaint) or by contacting Consumer Services directly. Include your policy and claim details so the Department can act on it.

Filing a formal complaint against an insurer in Alabama is a straightforward process once you know where it starts.

Where do I start the complaint?

Through the Consumers section of the Alabama Department of Insurance website (aldoi.gov, File a Complaint), or by contacting Consumer Services directly at 334-241-4141 or 1-800-433-3966.

What do I need to have ready?

Your policy and claim details: policy number, claim number, the insurer's name, key dates, and a description of what went wrong. Including this up front lets the Department act on your complaint rather than following up to request it.

What happens once I submit it?

The Department typically forwards your complaint to the insurer and requests a written response, then reviews that response against Alabama's claims-handling requirements before getting back to you with the outcome.

Is there anything I should do before I file?

Confirm you have already tried a direct internal appeal with the insurer where possible, since some issues resolve faster that way, but do not wait indefinitely if a deadline under Ala. Admin. Code r. 482-1-125 has already passed. See the full guide for what to include in a complete complaint.