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State statute · Alabama

Property Insurance Contracts (27-22-1 to 27-22-65)

Alabama Code Title 27 (Insurance) Chapter 22

Publisher
Legislative Services Agency of the Alabama Legislature
Edition
Code of Alabama as served by ALISON on 2026-09-29
Last checked
2026-09-29
Status
Code of Alabama, public domain
Edition and licensing notes

Publisher. Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us)

Status. Code of Alabama, public domain (state government edict).

Read the official textPractice questions from this source

What this document is

Alabama Code Title 27 (Insurance) Chapter 22 - Property Insurance Contracts (27-22-1 to 27-22-65) is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). It is one of the Alabama documents that insurance license exam questions are written from, including alabama property & casualty, alabama personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Ala. Code Section 27-22-1 (Insurance of Building in Name of Less Than All Owners)
    “it shall not be a defense against liability under the policy that all the joint owners or tenants in common were not named as the insured therein, nor will the amount due in event of loss be diminished on such account unless, by special endorsement of the policy, the insurer’s liability is limited...”
  • Ala. Code Section 27-22-63 (Failure to Provide Notice or to Release Insurance Proceeds)
    “A lender who fails to provide notice as required by Section 27-22-61 or Section 27-22-62 or to release insurance proceeds as required by Section 27-22-62 shall pay to the insured interest at the rate of 10 percent per year on the proceeds held by the lender.”
  • Ala. Code Section 27-22-42(10) (Policyholders Bill of Rights)
    “(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.”
  • Ala. Code Section 27-22-44 (Cause of Action)
    “Any violation of this article or any provision therein shall be enforceable only by the Department of Insurance as provided herein. Nothing in this article shall be used to provide a basis for a private cause of action. This article does not operate to expand coverage beyond the coverage provided by the policy.”
  • Ala. Code Section 27-22-41(b) (Applicability; Definitions)
    “shall include condominium insurance, dwelling fire policies that provide dwelling or contents coverage, renters/tenants insurance, and mobile home or manufactured home insurance. Creditor placed property insurance and condominium association or homeowner association property insurance is excluded from this article.”
  • Ala. Code Section 27-22-43(c) (Outline of Coverage and Comprehensive Policy Checklist)
    “This checklist does not operate to expand coverage beyond the coverage provided in the policy. If there is a contradiction between this checklist and the policy, the terms of this policy govern.”
  • Ala. Code Section 27-22-61 (Notice to Insured of Requirements for Release of Insurance Proceeds)
    “(a) If a claim under an insurance policy for damage to residential real property is paid to the insured and a lender, and the lender holds all or part of the proceeds from the insurance claim payment pending completion of all or part of the repairs to the property, the lender shall notify the...”
  • Ala. Code Section 27-22-43(a) (Outline of Coverage and Comprehensive Policy Checklist)
    “No homeowners personal lines residential property coverage insurance policy shall be delivered or issued for delivery in this state unless an appropriate outline of coverage and comprehensive policy checklist have been delivered to the policyholder prior to issuance, within 30 days after issuance...”

Practice this material

Alabama Property & Casualty practice testAlabama Personal Lines practice test

Questions about this source

Alabama Code Title 27 (Insurance) Chapter 22 - Property Insurance Contracts (27-22-1 to 27-22-65) is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). Edition: Code of Alabama as served by ALISON on 2026-09-29.

No. This page summarizes the document and links to the official version. Always rely on the text published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us) for the current law.

Practice questions for Alabama Property & Casualty, Alabama Personal Lines cite this document.

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