Don’t Just Survive Disaster, Thrive After
Better Insurance Coverage & Service Made Easy
Also, providing service throughout Alabama in Spanish Fort, Daphne, Fairhope, Gulf Shores and throughout Mobile and Baldwin counties.
About The Roux Company
Don’t you deserve the best life?
Have you ever worried about what you will do in the event of a disaster like fire, flood, hurricane or lawsuit? How will these events hurt you and your loved one’s financial state? Have you been searching for an insurance agency you can trust? Do you hate insurance because it is confusing? Do you want the best rate but don’t want to call all over town getting quotes?
You’re not alone and we’re here to help.
- We don’t just care about insurance – we care about you!
- We have over 1,000 happy customers!
- We provide as much as 50% savings on some homeowners’ insurance!
- We save you time and money!
Let’s Connect – We Make It Easy
Come to our relaxed office, talk over the phone or connect via video to discuss your needs.
Gain Confidence Through Wise Advice
Hear a personal solution from a licensed professional that can be executed together.
We Deliver What Is Best For You
Allow us to genuinely put your needs first as we walk you through an insurance product.
Relax! We’ve Got This
Experience peace and enjoy life knowing that The Roux Company has a plan in place for the unexpected.
Insurance Solutions that offer better value and save time… all so you can experience peace.
The Roux Company offers personal insurance and business insurance solutions.
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Personal InsuranceBusiness Insurance
Improvements and Alterations
Risk Factor
Any improvements, alterations or additions made to your condominium are subject to damage.
Solution
Be sure to obtain coverage for any improvements and alterations made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring and more.
Personal Property
Risk Factor
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm and more.
Solution
Personal property, such as furniture, rugs, TVs, stereos, clothes and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles and other valuables should likely be insured separately.
Additional Living Expenses
Risk Factor
Additional living expenses can be incurred if there is damage to your unit due to a fire, storm or other event resulting in your need to live at a temporary residence.
Solution
Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals and other living expenses incurred while your residence is being repaired or rebuilt.
Personal and Family Liability
Risk Factor
You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.
Solution
Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.
Medical Expenses
Risk Factor
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Solution
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
Loss Assessment
Risk Factor
If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.
Solution
Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. Typical limits range from $5,000 to $50,000.
Physical Damage
Risk Factor
Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.
Solution
Ensure that your building owner or association carries an all-risk special form to cover the risk of physical damage. Explosion of boilers are typically excluded, so a separate policy must be written to cover that exposure.
