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State resource center
Alabama claim resources.
A single starting point for Alabama-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated September 26, 2023 · Fact-checked by Brelly Legal Team
The deep guide
The Alabama Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Essential information for homeowners and other professionals about Alabama property insurance claims, including FAQs.
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Making Your Claim — Frequently Asked Questions
The first step in your property insurance claim is to notify your insurer about your losses. Not only is doing this the only way to get your claim moving, it’s one of your duties of a loss under your insurance policy.
Proving Your Loss — Frequently Asked Questions
After you’ve notified your insurance company and started your claim, you need to prove your losses to your insurance company. Proving that your property suffered losses and that those losses are covered under your insurance policy is at the heart of an insurance claim. As a result, it’s also the most difficult stage in the claims process and where policyholders most often make mistakes. Fortunately, Alabama laws do provide you with basic protections at this stage. Read more to understand how.
Getting Your Check — Frequently Asked Questions
Getting reimbursed for your losses — it’s the reason you pay premiums. Here are answer to frequently asked questions as this last, critical stage in your insurance claim.
Primary sources
See where the guidance comes from.
The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
Ala. Insurance Code, Title 27, Chapter 22, Section 42, Code of Alabama 1975 — Policyholders Bill of Rights
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Ala. Insurance Code, Title 27, Chapter 22, Section 43, Code of Alabama 1975 — Outline of coverage and comprehensive policy checklist
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Ala. Admin. Code r. 482-1-125 — Standards for Property/Casualty Insurance Claims
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Ala. Admin. Code r. 482-1-135 — Mediation Alternative Procedures for Resolution of Disputed Personal Lines Insurance Claims Arising from Hurricane, Tropical Storm, Tornados and Other Disasters Damage
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Ala. Insurance Code, Title 27, Chapter 1, Section 2, Code of Alabama 1975 — Definitions
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Ala. Insurance Code, Title 27, Chapter 12, Section 6, Code of Alabama 1975 — “Twisting”
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Ala. Insurance Code, Title 27, Chapter 12, Section 7, Code of Alabama 1975 — False statements and entries
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Ala. Insurance Code, Title 27, Chapter 12, Section 14, Code of Alabama 1975 — Inducements as to property, casualty, or surety insurance
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Ala. Insurance Code, Title 27, Chapter 12, Section 24, Code of Alabama 1975 — Refusal of insurer to pay or settle claims
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Ala. Insurance Code, Title 27, Chapter 14, Section 11, Code of Alabama 1975 — Contents of policies – Generally
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Ala. Insurance Code, Title 27, Chapter 14, Section 19.1, Code of Alabama 1975 — Electronic delivery of property or casualty insurance policy
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Ala. Insurance Code, Title 27, Chapter 14, Section 26, Code of Alabama 1975 — Forms for proof of loss
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Ala. Insurance Code, Title 27, Chapter 14, Section 27, Code of Alabama 1975 — Acts not deemed waiver of provisions or defenses
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Ala. Insurance Code, Title 27, Chapter 14, Section 28, Code of Alabama 1975 — Effect of misrepresentation in proof of loss
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