Alabama Policyholder Bill of Rights

1. Policyholders shall have the right to competitive pricing practices of insurers as prescribed by
   applicable federal or state insurance law and regulation.
2. Policyholders shall have the right to insurance advertising and sales approaches that provide
   representative information on the policy in accordance with Title 27, Chapter 12, Code of
   Alabama 1975.
3. Policyholders shall have the right to assurance that the insurance market in general and their
   insurance company in particular are financially stable as provided in Section 27-12-7, Code of
   Alabama 1975.
4. Policyholders shall have the right to receive service from licensed producers in accordance with
   Title 27, Chapter 7, Code of Alabama 1975, and to request the license status of an insurance
   company or producer
5. Policyholders shall have the right to a policy as prescribed in Title 27, Chapter 14, Code of
   Alabama 1975, to receive a complete policy, and to request a duplicate or replacement policy, if
   needed.
6. Policyholders shall have the right to receive in writing from their insurance company the reason
   for any cancellation of coverage and a minimum number of days notice of cancellation of
   coverage, subject to applicable federal or state insurance law and regulation.
7. Policyholders shall have the right to cancel their policy and receive a refund of any unearned
   premium. If a policy was funded by a premium finance company, the unearned premium will be
   returned to the premium finance company to pay toward the policyholder’s financing loan.
8. Policyholders shall have the right to a written notification, at renewal, describing changes in
   their insurance contract language that are applicable to the renewal period.
9. Policyholders shall have the right, in the event of a claim, to reject any settlement amount
   offered by the insurance company.
10. Policyholders shall have the right to select their licensed contractor or vendor to repair, replace,
    or rebuild damaged property covered by the insurance policy.
11. Policyholders shall have the right to file a written complaint against any insurance company with
    the Department of Insurance and to have that complaint reviewed by the Department of
    Insurance.