Who publishes this information
AlabamaSurplus.com is operated by Your Insure Cure LLC. Mike Cordogan is the named author of its guides. Authorship is not a claim that an attorney, regulator or independent reviewer has approved every page.
Alabama-specific research
State-specific explanations use primary materials where available, including Alabama Department of Insurance publications, statutes, regulations and official program documents. A rule that applies to an authorized insurer is not automatically described as a rule for every surplus-lines policy. A coastal placement exception is not treated as an exemption from all paperwork or consumer disclosures.
Source links appear with the relevant guides. They allow readers to check the issuing organization, context and limitations. If official pages conflict or a requirement cannot be resolved confidently, the explanation identifies the uncertainty rather than presenting a broader conclusion.
Coverage depends on the actual contract
The guides explain common concepts and practical questions. Policy wording, exclusions, endorsements, conditions and underwriting decisions vary. Examples of a possible coverage feature do not establish that the feature is included in a particular quote. We encourage readers to compare the full proposal and policy forms with the insurance professional handling the placement.
Descriptions of programs and carriers are informational. A mention does not establish that Your Insure Cure LLC has an appointment, a particular product is available through the agency, or a homeowner qualifies.
Dates and updates
A source-check date identifies when the materials used for an explanation were checked. It does not mean the issuing organization approved the page or that a policy remains available. Meaningful revisions receive their own dates. Routine website maintenance does not by itself make an article newly researched.
Before relying on a time-sensitive requirement, confirm the current rule and its application to the particular placement. Program eligibility, underwriting guidelines and administrative procedures can change.
Examples and imagery
Hypothetical examples are identified as examples. They are not actual customer placements, quoted premiums or promises of a claim outcome. Illustrative house imagery does not identify insured properties, customers or actual losses. We do not present generated imagery as documentary evidence.
Corrections
If you notice an apparent error, record the page address, the statement involved and an authoritative source that explains the concern. Send those details to info@alabamasurplus.com for review. A source-based correction may change an article's wording, links or revision date.
For a starting point, see how to compare surplus homeowners quotes.