Homeowners Exclusions Alabama

What Alabama homeowners insurance does NOT cover. Common exclusions that leave you unprotected.

Homeowners Exclusions Alabama

What Alabama homeowners insurance does NOT cover. Common exclusions that leave you unprotected.

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Is mold ever covered by homeowners insurance in Alabama?

Only if it's the result of a covered peril, like a burst pipe. Even then, coverage is typically limited to $5,000-$10,000 unless you purchase a specific endorsement for more coverage.

Does homeowners insurance cover roof leaks in Alabama?

It depends on the cause. If the leak is from sudden, accidental damage like a fallen tree, it's usually covered. If it's due to old age and wear and tear, it's considered maintenance and is not covered.

Why are insurance companies so strict about dog breeds?

Insurance companies have statistical data showing that certain breeds are involved in a higher number of bite claims. They restrict coverage for these breeds to manage their financial risk.

What is the difference between flood damage and water damage?

'Flood' is specifically defined as rising surface water from outside the home. 'Water damage' originates from inside your home, such as a burst pipe or overflowing appliance. Standard home insurance does not cover floods.