1 Windstorm insurance

Because of the extensive hurricane damage in the Southeast in recent years, homeowner insurance companies are careful about issuing new policies that cover windstorm damage. In some parts of Mobile County, it may not be possible to get this coverage. Check with an insurance agent before you build.

2. Flood Insurance

The standard federal flood insurance policy that is required if you are in a federally designated flood prone area does not cover the contents of you home. You must advise your insurance agent if you want your contents insured against flood damage.

3. Remodeling in the flood zone

If you improve an existing home in a flood zone, you may need to bring the entire house into compliance with FEMA (Federal Emergency Management Agency) regulations by raising it above flood level. Be sure to check with the County Building Inspection Office before you start.

4. Restrictive Covenants

If you plan to build or set up manufactured housing on a subdivision lot, it is wise to check for restrictive covenants early in the process. Checking for restrictive covenants requires a trip to the Mobile County Probate Court Records Department in the Old County Courthouse at 109 Government Street. Staff members will show you have to look up the subdivision covenants requirements.