09/30/2026
🏠 Baldwin County homeowners — here’s one insurance mistake I see all the time.
Your homeowners policy and your flood policy are not the same thing.
Wind-driven rain, rising water, storm surge and wind damage can involve very different coverage depending on how the loss occurred and how your policies are written.
And along the Alabama Gulf Coast, those details matter.
Before the next storm is in the Gulf, take 10 minutes and make sure you know:
🌊 Do I have flood insurance?
💨 How is wind/hurricane damage covered?
💰 What is my hurricane/wind deductible?
🏠 Is my dwelling limit still enough to rebuild my home?
I’m Russell Taylor with United Risk Agency Alabama in Orange Beach. We work with coastal property insurance every day, and I’m going to start sharing more quick tips like this for Baldwin County homeowners.
If you want us to review your coverage or shop your homeowners insurance, you can get started at uraquotes.com.
Please click the link to complete this form.