The Property Insurance Clarity Act requires insurance carriers, authorized to
transact business in the State of Alabama, to annually report their homeowners
inforce policy counts, direct earned premiums, and direct incurred losses to the
Alabama Department of Insurance. Homeowner insurance policies reported accordng
to the Clarity Act include condominiums, dwelling fire, renters/tenant, and
mobile home/manufactured housing property.
Data is reported to the department by zip code.
On rare occassion, some carriers lack the ability to provide data by zip codes
and therefore only submit data by county. This data will be displayed as zip
code 99999 and is included in the county totals. For 2003-2011, some carriers
reported Direct Incurred losses separately by peril (which was not required by
statute) while others only reported total losses. Therefore, the total losses
displayed exceed the sum of the losses by peril.
Below, you may create a specific report of Clarity Act data organized by zip
code, county, or statewide by year:
To create a report by zip code (Report data based on zip(s) selected by the
Select "Report by Zip", choose county zip code is located, select
desired zip code(s) for report, and click "Display Report". For a report
listing all zip codes, select "All Zip Codes" and click "Display Report".
To create a report by county (Report based on county selected by the
Select "Report by County" and click "Display Report".
To create a statewide report by year (Report based on all data
imported throughout the State of Alabama based on year),
Report by Year" and click "Display Report".