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.

Does Alabama have an Unfair Claims Settlement Practices law?

All FAQs

Quick answer: Alabama does not have a standalone, separately named Unfair Claims Settlement Practices Act. Its claims-handling standards come from Department of Insurance regulation 482-1-125, adopted under the Alabama Insurance Trade Practices Act (Code of Alabama Title 27, Chapter 12).

Many states have a statute with this exact name. Alabama's approach is structured a little differently, though the substance is similar.

Does Alabama have a law by this specific name?

No. Alabama does not have a standalone statute titled an Unfair Claims Settlement Practices Act. Instead, its claims-handling standards come from Alabama Department of Insurance regulation 482-1-125, adopted under the authority of the Alabama Insurance Trade Practices Act (Code of Alabama Title 27, Chapter 12).

What does that regulation actually cover?

Regulation 482-1-125 sets the specific deadlines this FAQ cluster covers, including the 15-day claim acknowledgment (r. 482-1-125-.06) and the 30-day accept-or-deny decision after a completed proof of loss (r. 482-1-125-.07), along with broader standards for fair investigation and settlement of claims.

Does the different name change my rights as a policyholder?

No. The practical protections, prompt acknowledgment, timely decisions, a written reason for denial, and a path to complain to the regulator, function the same way regardless of what the underlying rule is called. See the full policyholder rights guide for the complete list.

Does it matter that Alabama does not use that exact name?

Not in practice. A policyholder comparing notes with someone in a state that does have a law formally titled an Unfair Claims Settlement Practices Act will find the same core protections in Alabama, just housed under Department of Insurance regulation 482-1-125 instead of a standalone statute with that title.