Financial Advisor The Piedmont GroupFinancial AdvisorBirmingham, AL$70,000–$150,000 / yearOur platform includes advanced financial planning technology, operational and administrative support, marketing resources, and access to a broad range of investment and insurance solutions—allowing you to deliver personalized strategies that best serve clients. As an independent, non-captive financial services firm, we give advisors the freedom to build their business on their own terms while providing the infrastructure and support typically associated with larger institutions.
NewRemote Sales Representative Reineke AgencyRemote Sales RepresentativeWinfield, ALRemoteThis is a 1099 independent contractor opportunity that gives you the freedom to build your own business on your schedule, backed by a proven system, hands-on mentorship, and real growth potential. We are currently seeking a Remote Sales Representative who is coachable, motivated, and passionate about helping people make confident financial decisions.
Customer Care Representative Lennar HomesCustomer Care RepresentativeHoover, ALFull timeRequires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds. These resources may include, but are not limited to, applications designed for customer engagement, operational efficiency, data analysis, Artificial Intelligence (AI) tools, and other business functions.
Personal Financial Representative - AL AllstatePersonal Financial Representative - ALLincoln, AlabamaYou’ll also need to have: • At least 2 years of life insurance or financial services customer facing sales experience • State Life/Health Insurance Licenses • FINRA Series 6 or 7 and 63 (if applicable) licenses • Blended mix of protection and asset accumulation sales • Prior Experience as a Financial Advisor, Financial Planner, Registered Representative or Investment Representative preferred • Professional designations such as RICP, FSCP, CLU, ChFC, CFP and LUTCF preferred • Bachelor’s degree (or higher) with emphasis on business preferred. Allstaters are dedicated to serving clients, customers, and communities, which allows employees to find meaning and value in their work.
College Financial Representative, Internship Program Northwestern MutualCollege Financial Representative, Internship ProgramVestavia, Alabama$500–$1,000 / yearInternOur college financial representatives, who come from varying academic backgrounds and experiences, begin to build a financial planning practice while engaging local and nationwide experts, exclusive financial products, and the support of a Fortune 500 company. Overview: College Financial Representatives in the internship program at Northwestern Mutual are provided guidance, connection, and a framework for building an integrated financial planning practice from the ground up.
Financial Representative - Seeking Growth Lee Region - Modern Woodmen of AmericaFinancial Representative - Seeking GrowthDecatur, AL$97,000–$192,000 / yearPossessing a competitive nature or experience as a former athlete (basketball, baseball, football, soccer, track, running, hockey, diving, rugby, lacrosse, swimming, try-athletics, golf, tennis, pickleball, coach, athletic trainer, fitness trainer, etc.) is a bonus. The Role of Financial Representative: As a Financial Representative at Modern Woodmen, you play a pivotal role in addressing members’ financial needs, demonstrating leadership in the community, and supporting the continued growth of the local office.
Financial Services Representative – State Farm Agent Team Member Brian Wiggins - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberMadison, ALROLE DESCRIPTION: As a Financial Services Representative – State Farm Agent Team Member with Brian Wiggins - State Farm Agent, you will successfully market the financial products that manage everyday risks. Your proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options.
Financial Service Representative Heights Finance CorporationFinancial Service RepresentativeBirmingham, AL$15.75–$22.25 / hourAs a Financial Service Representative, you'll be at the heart of our customer experience-delivering exceptional service, building lasting relationships, and helping individuals secure the financial solutions they need. Other company perks include access to the Employee Assistance Program, Emergency Relief Fund, Diversity and Inclusion Council, Tuition Reimbursement, Leadership Development Programs, and potential to earn through the Monthly Bonus Program.
Financial Service Representative Attain FinanceFinancial Service RepresentativeBirmingham, Alabama$15.75–$22.25 / hourFull timeResponsibilities: As a Financial Service Representative , you’ll be at the heart of our customer experience—delivering exceptional service, building lasting relationships, and helping individuals secure the financial solutions they need. Transitioning from my original branch to a larger branch in a different demographic, to a middle-sized branch in a combination of demographics, assisted me with being prepared to take the next step in my career.
Financial Services Representative - State Farm Agent Team Member Ashleigh Mooney - State Farm AgentFinancial Services Representative - State Farm Agent Team MemberLoxley, ALROLE DESCRIPTION: As a Financial Services Representative - State Farm Agent Team Member with Ashleigh Mooney - State Farm Agent, you will successfully market the financial products that manage everyday risks. Your proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options.
Financial Aid Customer Service Representative Columbia Southern UniversityFinancial Aid Customer Service RepresentativeAlabamaKnowledge, Skills, & Abilities Knowledge English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. The on-site work environment is in a climate-controlled office setting, primarily sedentary, with frequent sitting, occasional walking and lifting, and frequent near-vision use for reading and computer work.
Financial Services Representative World Acceptance CorporationFinancial Services RepresentativeTuscaloosa, AL$15–$18 / hourWorld Finance, winner of the Top Workplaces USA award for five years in a row and a two-time winner of Newsweek's Most Trustworthy Companies award, helps customers meet their financial needs and unlock their financial good. Based in Greenville, SC, World reaches over one million customers annually - turning their financial possibility into reality through services like personal loans and tax preparation.
Financial Service Representative CURO Group Holdings CorpFinancial Service RepresentativeBirmingham, AL$15.75–$22.25 / hourAs a Financial Service Representative, you'll be at the heart of our customer experience-delivering exceptional service, building lasting relationships, and helping individuals secure the financial solutions they need. Other company perks include access to the Employee Assistance Program, Emergency Relief Fund, Diversity and Inclusion Council, Tuition Reimbursement, Leadership Development Programs, and potential to earn through the Monthly Bonus Program.
Part-Time Financial Services Representative World Acceptance CorporationPart-Time Financial Services RepresentativeTroy, ALWorld Finance, winner of the Top Workplaces USA award for five years in a row and a two-time winner of Newsweek's Most Trustworthy Companies award, helps customers meet their financial needs and unlock their financial good. Based in Greenville, SC, World reaches over one million customers annually - turning their financial possibility into reality through services like personal loans and tax preparation.
Financial Services Representative World FinanceFinancial Services RepresentativeDothan, AlabamaWorld Finance, winner of the Top Workplaces USA award for five years in a row and a two-time winner of Newsweek’s Most Trustworthy Companies award, helps customers meet their financial needs and unlock their financial good. Based in Greenville, SC, World reaches over one million customers annually – turning their financial possibility into reality through services like personal loans and tax preparation.
NewFinancial Services Representative (Overstaff) World FinanceFinancial Services Representative (Overstaff)Troy, AlabamaWorld Finance, a five-time winner of the Top Workplaces USA award and Newsweek’s America's Greatest Workplaces for Parents & Families in 2025, helps customers meet their financial needs and unlock their financial good. With 1,200+ branches across 16 states, we’re proud to be the financial partner with heart — offering customer-focused service rooted in teamwork, community, and care.
Financial Aid Representative Alabama Community College SystemFinancial Aid RepresentativeTuscaloosa, AL$3–$4 / hourResponsibilities include assisting students with various forms and financial aid processes; managing the Colleges scholarship (waivers) software platform and processes; planning and conducting financial aid workshops; communicating with students and parents; and using critical thinking skills to make decisions based on federal and state policies. The wellness premium applies only to the Blue Cross Blue Shield Hospital Medical Group #14000 plan for non-Medicare eligible active and retired members, non-Medicare-eligible members on LOA or COBRA, and non-Medicare-eligible spouses on active or retired contracts.
Financial Services Representative – State Farm Agent Team Member Jud Bennett - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberVestavia Hills, ALEnthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams. Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred.
Financial Advisor Northwestern MutualFinancial AdvisorGadsden, Alabama$61,000–$250,000 / yearFull timeNorthwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM) and its subsidiaries, including Northwestern Long Term Care Insurance Company (NLTC), Northwestern Mutual Investment Services, LLC (NMIS) (Investment Brokerage Services), a registered investment adviser, broker-dealer, and member of FINRA and SIPC, and Northwestern Mutual Wealth Management Company® (NMWMC) (Investment Advisory Services), a federal savings bank. As used here, “revenue” includes exclusively First Year and Renewal Commissions, Bonuses, Northwestern Mutual Investment Services, LLC and Northwestern Mutual Wealth Management Company commissions and fees, Strategic Employee Benefits Services commissions, and Expense Allowances.
Voya Financial Advisor Auburn AL Voya Financial AdvisorsVoya Financial Advisor Auburn ALOpelika, ALVoya Financial Advisors ® , Inc., a leading independent broker-dealer in the defined contribution & defined benefit business, is currently seeking a Financial Professional to join our team in the greater Auburn area to work plan sponsor relationships. Qualified candidates must possess the skills necessary to prospect, schedule and conduct one on one appointments, recommend and implement investment strategies, and research client service issues and investment questions.
CFO Georgia Market Advocate Aurora Health IncCFO Georgia MarketAL$114.70–$183.50 / hourServes as the advisor to Georgia Market leadership, for matters that affect its financial performance, including cultivating relationships with key matrix departments such as corporate accounting, managed health resources and reimbursement, revenue cycle and health information management, supply chain, human resources, nursing, information technology, facilities management, and others. Knowledge, Skills & Abilities Required: Comprehensive experience in senior financial management, including substantial experience in complex P&L management, financial reporting, accounting policy development, internal control design and remediation, systems implementation, not for profit tax compliance, and management of internal and external audit issues.
Virtual Financial Advisor - National Remote Thrivent Financial for LutheransVirtual Financial Advisor - National RemoteALRemote$24.03–$26.44 / hourSuccessful Thrivent financial advisors have come from a variety of career backgrounds, including outside sales, account executives, real estate, client services, hospitality, business development, recruiting, education, fundraisers, ministry and similar roles. Thrivent is a diversified financial services organization that, with its subsidiary and affiliate companies, serves more than 2.4 million clients, offering advice, insurance, investments, banking and generosity products and programs.
Financial Planning Associate Keel Point, LLCFinancial Planning AssociateHuntsville, ALFull timeIn this role, you will support financial planning operations, manage client data with precision, and help prepare for client and prospect meetings, including timely and thorough follow-up. Master and actively utilize Keel Point's technology platforms, including Orion, Wealthscape, Wealthbox, MoneyGuidePro, and RightCapital.
NewEstate & Retirement Financial Advisor -Exclusive Pre-set Appointments, 200-350K+ United Placement GroupEstate & Retirement Financial Advisor -Exclusive Pre-set Appointments, 200-350K+Huntsville, AL$150,000–$350,000Instead of cold calling, begging for referrals, or working your friends and family, you’ll step into a model designed to remove the biggest pain points in this business: No more spending most of your week prospecting instead of advising. We’ve built a streamlined, high‑performance business model that pairs top‑tier advisors with pre‑engaged clients who are already thinking seriously about their financial and estate planning needs.
NewFinancial Advisor - Jasper Synovus Financial CorpFinancial Advisor - JasperJasper, ALProactively solicit new business relationships through prospects and referral requests and pursue personal banking relationships of assigned Board of Directors and requesting referrals from Board members. Includes but not limited to Working Capital Lines of Credit, Term Loans for equipment or building, Home Equity Lines of Credit, Residential Mortgages, and other miscellaneous consumer loans.
Financial Services Administrator – State Farm Agent Team Member Shon Henry - State Farm AgentFinancial Services Administrator – State Farm Agent Team MemberHuntsville, AL$15–$19 / hourEnthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Financial Advisor - All In CU - Dothan, AL LPL Financial Holdings IncFinancial Advisor - All In CU - Dothan, ALDothan, AL$45,000–$60,000 / yearThe Investment Program at All In CU supports the local community and you will be joining a team that is dedicated to helping members in every stage of their financial life. This employment opportunity at TruStage located at All In CU in Dothan, AL would allow you to join All In CU as a Financial Advisor working for TruStage and associated with LPL Financial.
Associate Financial Advisor Wells Fargo & CoAssociate Financial AdvisorHOOVER, ALThey are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. FINRA Series 7 and 66 (or 63 and 65) examinations, or equivalent as well as state Variable, Life and Health insurance licenses must be completed within either a 90 or 180-day time period following commencement of employment, depending upon the number of license(s) needed if not immediately available to transfer upon hire.
CFO Georgia Market Advocate Health and Hospitals CorporationCFO Georgia MarketCentre, AlabamaServes as the advisor to Georgia Market leadership, for matters that affect its financial performance, including cultivating relationships with key matrix departments such as corporate accounting, managed health resources and reimbursement, revenue cycle and health information management, supply chain, human resources, nursing, information technology, facilities management, and others. Works collaboratively with operations management and corporate revenue cycle departments (Patient Access and Patient Financial Services, Health Information Management, Clinical Documentation Improvement, Reimbursement) to optimize revenue and performance and better understand/enhance payer and reimbursement trends.
CFO Advisor Park Avenue GroupCFO AdvisorFairhope, ALThis is a highly visible advisory role responsible for providing strategic financial leadership and accounting expertise to credit union and banking clients. Working closely with executive teams, this individual will serve as a trusted advisor on financial reporting, budgeting, forecasting, cash management, regulatory compliance, and overall financial performance.
Insurance and Financial Services Position - State Farm Agent Team Member Reilly Chunn - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberSpanish Fort, ALOur thriving State Farm Insurance agency is seeking passionate people who want more than just a job, they want a future filled with opportunity, impact, and financial reward. If you’re eager to embrace a challenging, rewarding role that sets you on the path to leadership and financial success, we want to hear from you!
Personal Financial Counselor; Fort Rucker, AL Magellan Health Services, Inc.Personal Financial Counselor; Fort Rucker, ALFort Rucker, ALFull timeServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
529 Field Representative – Alabama Union Bank & Trust Career529 Field Representative – AlabamaBirmingham, AlabamaPosition Summary: As a member of the Union Bank 529 College Savings Group, this individual will be responsible for effectively communicating the features and benefits of the Alabama CollegeCounts 529 Fund to current and prospective clients, community groups, employers, organizations, and financial professionals. This professional will live in Alabama and travel extensively across the state of Alabama to meet with financial professionals, community groups and exhibit at family-friendly outreach events throughout the state.
CFO Georgia Market Atrium HealthCFO Georgia MarketAL$114.70–$183.50 / hourServes as the advisor to Georgia Market leadership, for matters that affect its financial performance, including cultivating relationships with key matrix departments such as corporate accounting, managed health resources and reimbursement, revenue cycle and health information management, supply chain, human resources, nursing, information technology, facilities management, and others. Represents NC/GA Division and Advocate Health CFO(s), as applicable, in advising Enterprise leadership via committee, working groups, project teams, etc., in the domains of revenue growth, expense management, and strategic planning, particularly for clinical/service line and corporate operations.
Financial Specialist/Personal Banker I or II - Enterprise & Ozark - Banking experience highly preferred Synovus Financial CorpFinancial Specialist/Personal Banker I or II - Enterprise & Ozark - Banking experience highly preferredEnterprise, ALCertifications or Licenses: This position requires successful registration and issuance of a unique identification number from the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE ACT). Processes transactions accurately and efficiently while simultaneously introducing products, services and digital options that meet customer needs and encourages customers to expand their relationship with Synovus.
Financial Specialist/Personal Banker II or Sr - Birmingham - Banking experience required Synovus Financial CorpFinancial Specialist/Personal Banker II or Sr - Birmingham - Banking experience requiredBirmingham, ALCertifications or Licenses: This position requires successful registration and issuance of a unique identification number from the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE ACT). Processes transactions accurately and efficiently while simultaneously introducing products, services and digital options that meet customer needs and encourages customers to expand their relationship with Synovus.
Financial Specialist/Personal Banker I - 280 North, Phenix City - Banking experience required Synovus Financial CorpFinancial Specialist/Personal Banker I - 280 North, Phenix City - Banking experience requiredPhenix City, ALProcesses transactions accurately and efficiently while simultaneously introducing products, services and digital options that meet customer needs and encourages customers to expand their relationship with Synovus. Operates as a multi-functional team member with the ability to process transactions, provide optimum service, and consult in an advisory role to maximize the sales potential of every interaction.
Financial Specialist/Personal Banker I or II - 13th St, Phenix City Synovus Financial CorpFinancial Specialist/Personal Banker I or II - 13th St, Phenix CityPhenix City, ALProcesses transactions accurately and efficiently while simultaneously introducing products, services and digital options that meet customer needs and encourages customers to expand their relationship with Synovus. Operates as a multi-functional team member with the ability to process transactions, provide optimum service, and consult in an advisory role to maximize the sales potential of every interaction.
Financial Advisor at MAX Credit Union - Montgomery, AL LPL Financial Holdings IncFinancial Advisor at MAX Credit Union - Montgomery, ALMontgomery, AL$24,000–$40,000 / yearThis employment opportunity at MAX Credit Union - Montgomery, AL would allow you to join the Investment Program at MAX Credit Union as a Financial Advisor associated with LPL Financial. This exciting position will allow you to grow your career and business, helping the people and families that look to MAX Credit Union for financial solutions.
Financial Advisor II First Horizon CorpFinancial Advisor IIMobile, ALHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel.
Insurance and Financial Services Position - State Farm Agent Team Member Joey Strickland - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberMobile, ALSales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred. Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.
Financial Advisor - PNC Wealth Management The PNC Financial Services Group IncFinancial Advisor - PNC Wealth ManagementHuntsville, ALIn addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Personal Financial Counselor, Assignment Ready Counselor, PFC- Alabama Magellan Health IncPersonal Financial Counselor, Assignment Ready Counselor, PFC- AlabamaALServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Personal Financial Counselor; Fort Rucker, AL Magellan Health IncPersonal Financial Counselor; Fort Rucker, ALALServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Personal Financial Counselor; Huntsville, AL Magellan Health IncPersonal Financial Counselor; Huntsville, ALHuntsville, ALServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Personal Financial Counselor; Maxwell AFB, AL Magellan Health IncPersonal Financial Counselor; Maxwell AFB, ALMontgomery, ALServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Personal Financial Counselor - Birmingham, AL Magellan Health IncPersonal Financial Counselor - Birmingham, ALBirmingham, ALServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Assistant Bank Branch Manager / Assistant Financial Center Manager Smartfinancial IncAssistant Bank Branch Manager / Assistant Financial Center ManagerALAs the Assistant Financial Center Manager, you'll play a key leadership role in ensuring operational excellence, cultivating outstanding client experiences, and supporting the success of the Financial Center team. As we continue to grow across Tennessee, Alabama, and Florida, we're looking for an Assistant Financial Center Manager who thrives in a client-focused environment, enjoys developing others, and is ready to take the next step in their banking leadership career.
Business and Contracting Officer Representative Heartland ConsultingBusiness and Contracting Officer RepresentativeMobile, ALPart timeHeartland Consulting is seeking a Business and Contracting Officer Representative (COR) Support Specialist to provide direct business, financial, and contracting support to the U.S. Coast Guard Contracting Officer's Representative and program leadership. About Heartland Consulting Heartland Consulting provides high-quality professional and technical services to federal government clients, with a strong focus on the U.S. Coast Guard and Department of Defense.
Customer Service and Sales Representative Farmers Insurance - The Hadder AgencyCustomer Service and Sales RepresentativeHoover, AL$59,651–$92,459 / yearAt The Hadder Agency, a CSSR is more than a customer service representativethey are a trusted resource, relationship builder, and advocate who plays an important role in protecting clients financial well-being while helping the agency continue to grow and serve the community with excellence. By combining outstanding customer service with insurance knowledge and sales expertise, a CSSR helps clients make informed decisions that protect their homes, vehicles, businesses, and other valuable assets from financial loss caused by accidents, liability claims, theft, severe weather, and other unforeseen events.