This Old House
Best Home Insurance Companies in Alabama (2021)
If you live in Alabama, your home could be at risk of damage from natural disasters, such as hurricanes and tornadoes. Fortunately, a home insurance policy can keep your home protected. Keep reading to find the best home insurance providers in the state.
Adobe
Whether you live near the Gulf Coast and worry about property damage during a hurricane or you own a home further up the state in Huntsville and worry about a summer tornado destroying your roof, purchasing homeowners insurance in Alabama is a smart decision to protect your house and give you peace of mind.
It Doesn’t Take a Hurricane to Cause a Flood
Flooding is the costliest and the most common natural disaster to significantly impact communities across the United States, The PEW Charitable Trust notes in its reporting on flood-prepared communities. Flood events have accounted for more than $850 billion in damage and losses in the U.S. since 2000, the global nonprofit, nongovernmental organization points out.
It doesn’t take a hurricane to create a flood event. After all, just one inch of water in a structure can cause up to $25,000 of damage, according to FEMA. But the run-up to the Atlantic hurricane season is nevertheless a good time to consider flood insurance. This year it is especially important for risk professionals to talk to their clients about flood insurance, in part because of FEMA’s roll out this year of a new rating system for the National Flood Insurance Program (NFIP), Risk Rating 2.0, and because of the growing market for private flood insurance.
Find disaster preparation advice
The app can be accessed from the App Store and Google Play.
“There are other insurance-related things you can do to protect yourself in the event of a storm,” said Commissioner Chaney. “Don’t forget to review your insurance coverage and make sure you are familiar with your policies. If you have questions, contact your insurance agent or insurer.”
Flood damage is generally not covered by a standard homeowners or renter’s insurance policy. If you don’t have flood insurance and are considering purchasing a policy, there is a 30-day waiting period if you buy through the National Flood Insurance Program (NFIP).
Hurricane 2021: Seven hurricane myths that need to go away
Thereâs always been a lot of bad advice out there about getting ready for hurricane season. Here are seven myths emergency officials wish Floridians would just get over already.
Â
Â
For the latest news and updates throughout hurricane season, check tampabay.com/hurricane [ Photo illustration by ASHLEY DYE | Times and Shutterstock ]
That advice echoes across Florida every storm season. And every year, itâs wrong.
âThat does not help nothing,â said Pasco County Emergency Management Director Andrew Fossa. âThe only thing that is going to do is hold bigger pieces of glass together as it flies through the air.â
A new FEMA policy threatens to transform the National Flood Insurance Program into a crippling financial burden for thousands of low-income families in coastal cities.