Alabama House Inspectors
Jul01

Alabama House Inspectors

List of Alabama House Inspectors in Mobile & Baldwin County This is a list of Alabama house inspectors in Mobile & Baldwin County. Do you need a home inspection? These are the guys to contact. Before you buy a home, you should get a home inspection. Inspections usually cost $200-$300. Why do you need a home inspection? An inspection will show you everything that’s wrong with the house you’re buying. Sometimes the problems are small. Sometimes the problems are so big that you’ll change your mind about buying the house. All in all, it’s better to know what you’re getting into before you make a big investment. Otherwise, you might be stuck with a financial problem. We at Heritage Insurance have received many inspection reports from our customers. Some inspectors come from out of state. We want to recommend inspectors in our state.   Below is a list of Alabama house inspectors, especially in the Mobile and Baldwin County area. We have received inspection reports from these inspectors and can verify that they do good work. List of Alabama House Inspectors Note: we have received at least 1 inspection report from these companies. The * means we have received more than one inspection from the inspector. International Inspectors *** Gregg Young 6429 Sugar Creek Dr N, Mobile AL 36695 251-454-5100 gryoung19@aol.com HomeSouth Inspections INC ** 3775 Hideaway St, Orange Beach AL 36561 251-981-9412 homesouth@gulftel.com http://www.homesouthinspection.com Beacon Inspection Group LLC * John Williams 4207 Michael Blvd, Mobile, AL 36609 251-605-7706 Johnw36695@bellsouth.net A Pro Alliance Inspection Services * Steve C. Mears 2200 Hwy 98, Suite 4 PMB, Daphne AL 36526 251-382-1653 Office 251-621-8066 Fax aproalliance@gmail.com http://www.aproalliance.com/ Affordable Home Inspections LLC Harry Crump PO Box 851105, Mobile AL 36685 251-454-2179 (Cell) 251-634-5119 (Office) Inspections389@aol.com http://www.affordable-home-inspections.com/ Inspect Mobile LLC   <– CHECK THESE GUYS OUT! Doug Johnson 2 Breydon Ct, Mobile AL 36608 251-295-7254 inspect-mobile@comcast.net http://www.inspect-mobile.com/ Jim McDonough Home Inspections James B McDonough III 4531 Kingswood Dr, Mobile AL 36608 251-402-0301 Jmcdon7605@aol.com Superior Home Inspections LLC E.L Phillips PO Box 905, Satsuma AL 36572 251-327-5601...

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Flood Elevation Surveyors in Alabama
Jun28

Flood Elevation Surveyors in Alabama

Flood Elevation Surveyors in Alabama This is a list of Flood Elevation Surveyors in Alabama. Mobile and Baldwin County are both coastal regions that are more likely to flood. To get the best price for flood insurance, you need an elevation certificate. These are the guys who can get it for you! If your home is in a high risk flood zone, you should purchase a flood elevation certificate. A flood elevation certificate is a document that shows the elevation of a home in comparison to the base flood level. An elevation certificate is acceptable by FEMA, Wright Flood, Lloyds, QBE, and all other flood insurance providers. Flood insurance companies use the elevation certificate to determine how risky a home is to insure. Without an elevation certificate, your flood insurance request may be rejected. On the other hand, your request may be accepted, but your flood insurance company would assume the most risky values. In other words, getting an elevation certificate can save you money! Heritage Insurance is glad to recommend any of these flood elevation surveyors in Alabama. On a few occasions, we received elevation certificates provided by customers with the following company’s names. We’ve seen their results. We recommend them for the job. Their offices are all located in Mobile and Baldwin County. If you need a flood elevation certificate, then these are the guys to contact: List of Flood Elevation Surveyors in Alabama Polysurveying 5588 Jackson Road, Mobile AL 36619 251-666-2010 28810 US 98, Daphne AL 36526 251-626-0905 http://polysurveying.com/ brett@polysurveying.com Lucido Engineering & Surveying, LLC 24693 Canal Rd, Suite A Orange Beach AL 36561 251-967-3250 http://lucidoeng.com/ conniesettle@lucidoeng.com Survey Consults 16961 ST HWY 180 Suite D, Gulf Shores AL 36542 251-968-2124 http://www.surveyconsults.com/ surveyconsults.gs@gmail.com Raber Surveying 14613-A Raber Rd, Summerdale AL 36580 251-975-7525 http://rabersurveying.com/ William@rabersurveying.com Byrd Surveying, Inc. 2609 Halls Mill Rd, Mobile AL 36606 251-476-5010 byrd@byrdsurveying.biz Survey Services PO Box 970 Magnolia Springs AL 36555 251-971-2986 Wattier Surveying, Inc. 4321 Downtowner Loop N, Mobile AL 36609...

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Alabama Church Bus Insurance
Jun21

Alabama Church Bus Insurance

Alabama Church Bus Insurance After your congregation buys a bus, you’ll need to get a custom Alabama church bus insurance policy. Every vehicle must have insurance before it hits the road. But church bus insurance is different than regular car insurance. If your ministry owns a church van or bus, it’s like a mix of personal and commercial auto insurance. That’s why you should find an agency who can offer you the best policy. If you’ve just purchased a bus for your church, where do you start? Insuring a church bus isn’t like insuring a normal car. You can’t just get the legal minimums. You’ll need to cover the bus or van, the driver, & the passengers. Liability vs. Medical – Liability insurance will cover vehicles or drivers who are injured by the church bus or van. Medical insurance covers the inside of the vehicle; the driver and passengers. Collision vs. Comprehensive – Collision insurance covers the church bus when there is an accident on the road. Comprehensive insurance covers the bus when other damages occur; for example, a tree falls on the bus, hail storm, fire, theft, or hitting a deer. Hired & Non-Hired Autos is coverage available as part of Alabama Church Liability Insurance. Hired auto coverage will cover your employees when they’re on a business trip, hired a taxi, or borrowed a car for business. Non-hired auto coverage will cover the employees if they’re using their own car for business purposes (like getting the mail, picking up a customer, or getting lunch for the boss) and get hurt.   Choosing a Church Bus Driver An important part of Alabama church bus insurance is providing safe transportation. The church bus or van may take youth groups to retreats or give rides to those who cannot drive to the church. To keep your passengers safe, choose primary drivers for each vehicle. Make sure they are the ones to drive, not others. Here are some requirements you should have while finding drivers. Check the driver’s license. Alabama requires church bus drivers to have a commercial driver license (CDL). Even large vans require a CDL. CDL’s are required for drivers who drive vehicles weighing 26,000 pounds or could carry more than 16 passengers. The driver’s age should be between the ages of 21-65. Younger drivers lack experience. Older drivers may have slower reaction times. Whatever the age, make sure they have adequate experience. They should be trained to drive large vehicles like a church bus. Check the driver’s records. Make sure there are no violations or citations. Your church may be labeled “negligent” for letting a driver with a poor...

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Alabama Church Property Insurance
Jun21

Alabama Church Property Insurance

Alabama Church Property Insurance There are a few things that Alabama church property insurance covers. It provides coverage for the buildings and the contents inside. Wind insurance is available as a separate policy. If your church or synagogue is located in a coastal area, you may want to consider flood insurance. Personal Property Insurance for Churches It’s not just your building that needs coverage. You also need coverage on the things inside your building. Your church may have expensive sound equipment, computers, furniture, etc. If your congregation is more traditional, you may have an organ, piano, pews, etc. A more modern church may have projectors, speakers, musical instruments, etc. Anything that is inside the church that can be taken out is labeled “contents” or “personal property”. If any of these items were stolen or damaged, insurance could pay for it. There are 2 things to keep in mind: Always keep a list of your personal property accompanied by pictures, videos, and/or receipts. An insurance company will never debate how much personal property coverage you get. But it is your responsibility to prove what you had it once it is gone. Without proof, insurance pays nothing. Remember your deductible. Is the value of damage under your deductible? Then you don’t have a claim. Is the value of damage over your deductible? Then you do have a claim. But weight your options wisely. If your claim is small, you may not want to claim. Insurance prices may increase due to claim history. In other words, if you make a claim, make it a good one. Church Building Insurance Alabama Church Property Insurance will protect your sanctuary, buildings, and other structures. If your church has separate buildings, you’ll need protection for them. Be covered from fire, ice, lightning, and theft. Here are some things to know about insurance on your church or synagogue: When it comes to your buildings, the burden of proof is on the insurance company. That’s why they take pictures or send inspectors to the buildings. It’s your duty to prevent damages from occurring or stop them from continuing. A building must be insured at replacement cost value, not market value. Replacement cost value is determined by an appraisal or cost estimator. Alabama Church Wind Insurance It’s usually hard to bundle Alabama church property insurance with wind coverage.   Most dedicated church insurance companies are unwilling to provide wind coverage in the total policy.   Don’t worry, we’ve got you covered. Your Alabama church insurance policy can be complimented with an additional wind policy from groups like Lloyds.   Alabama Church Flood Insurance Another coverage to consider is Alabama church flood...

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Alabama Church Liability Insurance
Jun21

Alabama Church Liability Insurance

Alabama Church Liability Insurance Most of Alabama church liability insurance is to protect your church from lawsuits. There are two kinds of church liability; general liability and excess liability. Both kinds protect the church in case of law suits. This article will cover the general liability of churches in Alabama. General church liability is sometimes called Special Multi-Peril General Liability. This is the most important liability coverage your church can get. It includes coverage for personal injury, property damage, ministers counseling, sexual misconduct, hired & non-owned auto, directors & officers, and other specialty coverage.   Personal Injury Personal injury church insurance protects from 2 things; people getting hurt and defamation of character. First, the obvious; if someone gets hurt on the church property, they may decide to sue. For example, a woman drops her teenage son off at a church for a youth group meeting. For whatever reason, he gets hurt. If she doesn’t have insurance and can’t afford the medical bills, she may decide to sue. Unfortunately in America, even hot coffee is a potential law suit. Second, this coverage includes legal protection against defamation; ruining someone’s reputation, especially by making false statements. If spoken, it’s called slander. If written, it is called libel. If a church leader speaks out against a person or business, it may be considered slander. If they make social media posts, that is libel. Property Damage Property damage protection doesn’t protect the churches property! It protects others property from damage while at the church. Alabama church liability insurance really comes into play in the coastal areas. Wind damage is an all too common thing in the Gulf Coast. How might that come into play for property damage liability? For example, Bob’s car is parked in the church parking lot. Suddenly, wind blows and a tree fell on top of the car, totaling it. He could use his own auto insurance to cover the costs of repairs, or he could decide to sue. This also covers property that is leased or rented to the church. Ministers Counseling Ministers counseling liability is one of the most important types of church coverage. Degrees in counseling, theology, and divinity may affect eligibility or price for this coverage. Most pastors, rabbis, or clergy are not certified counselors. Yet, they take on a counseling role. How does ministers counseling liability protect your church? Let’s say a woman came to a pastor for marriage counseling. The pastor says, “You should divorce your husband”. So she divorces her husband and then cannot pay her bills. She could sue the church. Any advice given by a minister that has negative implications is...

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Cheaper Alabama Wind Insurance June 2016
May25

Cheaper Alabama Wind Insurance June 2016

Cheaper Alabama Wind Insurance June 2016 There will be cheaper Alabama wind insurance June 2016. Alabama Insurance Underwriters Association (AIUA) will begin offering lower prices on 06/01/2016. These lower prices will only affect wind insurance in Mobile and Baldwin County.   Gov. Bentley Announces Lower Wind Insurance On FOX10 TV, Governor Robert Bentley explained, “The underwriters for the insurance companies looked at all the numbers and were able to lower the cost for wind insurance and homeowners insurance.” The newer rates will reduce current actual cash value rates from 5% to 15%. These new rates will also reduce current replacement cost rates from 18% to 27%. AIUA will offer wind deductibles of 1%, 2%, 5%, and 10% to everyone. Kym Thurman of LOCAL15 TV said, “You’re about to get a huge break towards wind coverage rates just in time for hurricane season”. James Gordon reports that homeowner groups and church groups all banded together to lower their insurance rates. The reasons to do this were: To help homeowners get replacement cost coverage at lower rates To reduce living expenses after rebuilding To meet building code costs Governor Bentley said, “The people in Mobile, Baldwin County, and along the coast have had to endure extremely high costs for homeowners insurance particularly that related to wind.” Senator Bill Hightower said, “In doing this we’re not only helping out own lifestyle, resuming our life here on the coast after a hurricane, but we’re also insuring that the state has revenues that it needs to continue to operate.” Cancel Wind Insurance There are a few things to consider if you’re thinking about switching for cheaper Alabama wind insurance June 2016. If this makes you want to cancel your insurance, you may want to consider your cancellation fee. Cancellation fees are usually set to 25% and fees are retained. Prices will go down all across the board. Yes, AIUA is the one to announce lower prices, but other companies want to stay competitive. Also note that not all policies are created equal. AIUA policies are usually devalued policies, insuring homes for actual cash value instead of replacement...

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Compare Insurance Apples to Apples
May11

Compare Insurance Apples to Apples

Compare Insurance Apples to Apples So many times, customers call saying “I want to compare insurance apples to apples”.  For most people, this means comparing the coverage, deductibles, and price.  You probably guessed this, but there’s much more to compare than that. We just made it easy for homeowners in Alabama to compare insurance apples to apples!  Click the link below to submit your insurance document for a direct comparison quote!     How to Compare Insurance Apples to Apples What you want to compare is not the price, but the insurance rate.  The insurance rate is what determines a price.  Here’s how to calculate insurance rate: base premium / total insurance value = rate Take the base premium (the price of your insurance before all the taxes and fees).  Divide that by the total insurance value (the sum of coverage A, B, C, & D; dwelling, other structures, personal property, and loss of use).  The result is your rate.  Do that with a couple of quotes, and you’ll see which one has the lower rate.  Here are some other factors you should consider about insurance. Other Things to Compare The rate is important, but it’s the guts of the policy that make it what it is.  There are other things to consider too; the insurance provider, discounts, exclusions, endorsements, replacement cost value, and cancellation fees. Who you’re insured with is a big factor.  Why?  You don’t want your insurer to deny valid claims.  You also don’t want your insurer to be so new to the insurance business that they can go bankrupt.  Always research your insurance company.  Little guys like to offer low prices, but run away when there is trouble.  Many of those smaller companies are called demotech insurance companies.  That’s not to say that demotech insurance is bad; just know who you’re insured with.  If you get surplus lines insurance, make sure they’re a big name carrier. Discounts decrease the rate.  Ask your agent what discounts are available and make sure they are applied.  Here’s a list of possible home insurance discounts. Make sure that everything is covered at replacement cost vs. actual cash value.  Your policy might look like it’s full replacement cost when the roof is insured for actual cash value.  You need to make sure about this if it’s not spelled out somewhere on the quote. Ask about exclusions.  Normally things like earthquake, mold, and water back up are excluded from a policy.  Flood is most always a separate policy. Check for cancellation fees.  Your quote might not use the term “cancellation fee”.  It might say, “25% minimum earned premium”.  That would mean the company...

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Insurance without Wind in Alabama
May05

Insurance without Wind in Alabama

Insurance without Wind in Alabama Insurance without wind is also called fire only insurance, hazard only insurance, or ex-wind insurance. Hazard insurance provides fire, lightning, theft, and liability coverage (depending on the policy you purchase). If you would like an ex-wind quote from Heritage Insurance, request a quote! Insurance without wind Fire only insurance Hazard only insurance Ex-wind insurance Why Drop Wind Coverage? Wind insurance makes up 2/3 the price of hazard insurance. That means if you pay $500 in hazard insurance, wind insurance would probably cost $1000. It might be an ok option to get insurance without wind coverage, depending on your financial situation. It’s never a problem finding insurance without wind in Alabama. Alfa, Farmers, State Farm, and many other admitted carriers provide this. Usually, they add an additional policy from Alabama Insurance Underwriting Association AIUA. Few agents are willing to write ex-wind without an additional wind policy because there’s not much money in it. If you do not think wind is a serious risk, this is one way to go.   Why is Wind Insurance So Expensive in Alabama? Simple! Higher risk means higher price. Wind is more likely to damage a home in Alabama than anything. In 2004, Hurricane Ivan hit. In 2005, Hurricane Katrina hit. Insurance companies were losing money. Instead of taking more risk, they stopped providing wind insurance. Those who stayed in the area created a “wind deductible”. In the past, all deductibles were around $1000. After Ivan and Katrina, they went about 5% * the dwelling coverage. As time has passed (2016 at the time of writing), no serious hurricanes have hit the gulf coast. Insurance companies have been starting to come back. Some have lowered prices. Some have lowered deductibles. Others use a hurricane deductible or named storm insurance deductible.   How to Get Cheaper Wind Only Insurance The cost of wind insurance in Alabama is high, especially around the coast. Your price is determined by a few things: Location – the closer to the water you are, the more you will pay. Age of home – The older your home, the more you will pay.If you have a mortgage on your home, the mortgage company will force you to get wind insurance. If you have a mortgage on your home, the mortgage company will force you to get wind insurance. If you only have fire insurance and need wind insurance, Heritage Insurance can provide wind only insurance. Buying a home? Check out home buying tips for...

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Best Realtor in Baldwin County Alabama
Apr27

Best Realtor in Baldwin County Alabama

Best Realtor in Baldwin County Alabama The best realtor in Baldwin County is on this list! These realtors serve Baldwin County and Mobile Alabama. Heritage Insurance is pleased to recommend these hard working individuals to help you find your dream home in Mobile or Baldwin County!   Libby Thompson Shamrock Properties, LLC 251-610-9977 cell libby.shamrock@att.net http://www.shamrockrealestategroup.com/   Kathy Stastka Coldwell Banker Reehl Properties 251-709-9051 (cell) 251-621-1111 (office) kathystastka@gmail.com http://www.kathystastka.reehlproperties.com/   Michael Dorsett Coldwell Banker Reehl Properties 251-463-6682 michaeldorsett@mchsi.com www.mikedorsett.com/   Kelly Petrey Coldwell Banker Reehl Properties 251-990-6622 work 251-605-3293 cell kellygpetrey@gmail.com http://kellypetrey.reehlproperties.com/ https://www.facebook.com/kellypetreyrealtor David Kahalley Shamrock Properties 251-533-9445 work dkahalley@bellsouth.net http://www.shamrockrealestategroup.com/   Aiveen Kahalley Shamrock Properties 251-533-9445 work 251-295-8262 shamrockproperties@att.net...

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How to File a House Insurance Claim
Apr18

How to File a House Insurance Claim

How to File a House Insurance Claim You bought homeowner’s insurance, but do you know how to file a house insurance claim? This article will explain not just how to make a claim, but how to prepare before a claim. How to Prepare for a Claim You just bought insurance. It’s time to prepare for possible claims on your personal property. What about the house? No prob. The insurance company has pictures of the house. The burden of proof for the dwelling is on them. You should focus on your belongings inside the house. Personal property, or contents, is coverage C on your policy. If you don’t have personal property coverage, you can skip this section. Otherwise, read on…   Receipts, Pictures & Videos You can prove you own your property through receipts, pictures, or videos. If you have receipts, scan them to your computer. Not everyone has receipts for all their belongings. Videos are good, but they’re large in file size. It’s best to take pictures of your personal property. Write down any brand names, serial numbers, etc. You can search the internet to easily find the total cost new of your possessions. Upload your pictures to your email. Save copies in multiple locations. Can You Prove It? An insurance company doesn’t care how much you insure your belongings for. The more you insure the more money they get! But it’s up to you to prove what you own. You can insure your property for millions of dollars. But if you can only prove that you owned $10,000 of property in total, you’ll only get $10,000 back at most. It may be time consuming, but it will save you money to do know the value of your contents while you are getting house insurance quotes. Make sure to take pictures of your most valuable possessions. Take pictures of your furniture, appliances, electronics, etc.   Jewelry, Guns & Appraisals You may have jewelry, guns, collectibles, antiques, or other rare items. Did you know that your homeowners insurance only provides limited coverage for these things? Normal homeowner’s policies only provide: $1500 for jewelry, watches, furs, and precious stones. If your jewelry is worth more than this, see Perfect Circle Jewelry Insurance. $2500 for guns, firearms, and related equipment. If your guns are worth more than this, see NRA Gun Insurance. Some personal belongings require an appraisal. A piece of art, for example, may be worth $100 at face value. If it was painted by a famous artist, it’s probably worth A LOT more. This would not just require an appraisal, but a separate insurance policy all together. Will Claims Increase...

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