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 require boilers and pressure vessels to be inspected?

All FAQs

Quick answer: Yes. Alabama's Boiler and Pressure Vessel Safety Act (Code of Alabama Title 25, Ch. 12) requires scheduled certificate inspections (power boilers annually, pressure vessels every 3 years). This is a legal inspection mandate, separate from equipment breakdown insurance covering repair costs and lost income.

Does Alabama require boilers and pressure vessels to be inspected?

Yes. Alabama's Boiler and Pressure Vessel Safety Act (Code of Alabama Title 25, Chapter 12) requires scheduled certificate inspections by an inspector holding an Alabama certificate of competency.

What is the actual inspection schedule?

Power boilers annually, low-pressure heating boilers biennially with an internal inspection every four years, hot water boilers biennially, and pressure vessels subject to corrosion every three years. Operating certificates and installation permits are also required.

Does this inspection mandate replace insurance?

No. That's a legal inspection mandate, separate from and in addition to equipment breakdown insurance, which covers the cost of repair and lost income when equipment actually fails. Passing inspection does not mean a business is financially covered if a boiler still breaks down.

What should a business with this equipment check?

A coverage review can confirm both the inspection compliance and the equipment breakdown coverage a specific facility needs. See Alabama equipment breakdown insurance for more.