Why this exists
On the coast, insurance is no longer a last-week-of-closing item. A flood zone nobody checked, a roof a carrier will not write, or a condo master policy with a huge deductible can change the monthly payment — or the deal itself. The PreCheck catches those flags early, while there is still time to price them, fix them, or shop them properly.
For realtors
Run it at listing time or before an offer. Walk into the conversation already knowing the flood, wind and roof story — and hand your client a clean next step instead of a closing-week scramble.
For buyers & lenders
Know before you are deep in inspections and appraisals whether insurance is likely to be routine, expensive, or a problem that needs a plan. No surprises in the payment.
What a PreCheck looks at
| Check | What we look for |
|---|---|
| Flood | Current flood zone, whether flood insurance will likely be lender-required, and whether a private flood option should be quoted alongside NFIP. |
| Wind | Coastal wind exposure, and how wind is best built for this property — included in a homeowners policy, or as a separate wind-only policy. We shop private wind-only options as well as the state pools (AIUA in Alabama, MWUA in Mississippi). |
| Roof | Roof age and type flags carriers screen on, and whether a FORTIFIED designation could improve options or pricing. |
| Property | Age, construction and use — including condo, short-term rental, and second-home use, which each change how carriers see the risk. |
| Condo flag | For condos: whether the association master policy and its deductible make the buyer's HO-6 requirement a routine item or one to dig into early. |
| Cost picture | A plain-English sense of whether insurance cost on this property is likely to be low, typical, or high for the area — and what drives it. A real quote follows once we have full property details. |
Sample report — what you get back
SAMPLE ONLY — illustrative property and illustrative findings. This is the format, not a real property report.
Sample Property: 000 Example Beach Blvd, Orange Beach, AL 36561 · Single-family, built 2004
| Item | Finding | Rating |
|---|---|---|
| Flood zone | Zone X (unshaded) — flood insurance not lender-required; optional coverage still worth pricing given coastal location. | GREEN |
| Wind insurability | Insurable with standard coastal carriers in our market, subject to full underwriting. | GREEN |
| Roof | Roof year suggests carriers will ask for photos / a roof certification. Line this up early so it does not stall closing. | YELLOW |
| Cost picture | Likely typical-to-high for the area, driven mainly by roof age and coastal wind exposure. Exact premium needs a full quote. | YELLOW |
| Next step | Start the full home quote now and order roof documentation in parallel — no need to wait until the week of closing. | — |
A PreCheck is an early, educational screening based on the address and publicly available property information. It is not a quote, not a binder, and not a guarantee that any carrier will insure a property or at what price. Only a full quote reviewed by a licensed agent can do that.
Request a free PreCheck
Tell us the property and where to send the report. We will review it and get back to you — for requests received by 3pm CT on a business day, our aim is the same business day.
This is a separate PreCheck request — it does not replace or change any of our quote forms. We will never share your information with anyone outside the agency for marketing.
Rather talk it through? Call 251-333-4750
Common questions
Is this a quote?
No. It is an early check so insurance does not surprise the deal. If you want a real number, we will start a full quote from the same information — Home quotes run through our existing quote process, reviewed by Alabama agents.
How much does it cost?
The PreCheck is free. If you go on to a full quote, that is free too — we are paid by the carrier if you choose to place coverage with us.
How fast is it?
Our aim is the same business day for requests in by 3pm CT, Monday to Friday. Complex condo or commercial properties can take longer, and we will tell you if yours will.
Can you check a property outside Orange Beach?
Yes — Orange Beach, Gulf Shores, Foley, Fairhope, Daphne, Spanish Fort and statewide across Alabama, plus the Mississippi Gulf Coast. Licensed in AL, FL & MS.