Do I Need Flood Insurance in Georgia?

flooding

In the US, Georgia is among the states that experiences the most flooding. The state has frequent thunderstorms, tornadoes, and tropical storms, which results in heavy rain during the year. In some cases, these severe climate conditions turn into flash floods, causing havoc in various parts of Georgia.

If you live in the state, you must know that your typical homeowners insurance doesn’t cover flood damage. That means you’ll need to purchase flood insurance as an additional coverage.

In this article we will discuss why you need flood insurance in Georgia, how much it typically costs, and when you should purchase it.

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My Neighbors Tree Fell in My Yard, Who Pays for It?

tree fallen

Property damage is a very serious issue to deal with. When it comes to property insurance claims, fallen trees can be tricky to pin down. During bad storms it’s very common for trees to uproot and fall on people’s yards, cars, or houses. A common question we’re asked frequently is, “my neighbors tree fell in my yard, who pays for it?”. If the tree is healthy and fell due to an act of nature, it can be difficult to claim damages through your neighbor’s insurance.

In most cases, whatever happens to land on your property is now your responsibility. And even though there are some exceptions to these rules, unfortunately trees falling in your yard isn’t one of them. So, if a storm causes your neighbor’s tree to fall in your yard you would be responsible for it. You cannot file a claim and make them responsible for the damage and removal.

This also applies in reverse, as they cannot take any action against you if your tree falls in their yard. Of course, the main distinction here is cause and effect. If you can prove that the tree falling in your yard was diseased or due to the homeowner’s recklessness, then you may be able to make them pay for the damages. However, if that is not the case, you will have to contact your insurance provider and file a claim.

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Will My Homeowners Insurance Cover a Sinkhole?

When dealing with insurance, getting a concrete “yes or no” answer is often difficult. We say this because the insurance market offers various degrees of coverage. Moreover, each insurer, whether big or small, operates differently.

The same goes for sinkhole coverage in your homeowners insurance policy. While getting coverage for sinkholes on the property depends on the insurance company, you also need to take your state and city into account.

We say this because many homeowners invest in sinkhole insurance to ensure they’re covered. This especially applies to homeowners residing in regions that are notorious for sinkholes. Some of these places include Kentucky, Alabama, Pennsylvania, Texas, Florida, Tennessee, and Georgia.

Keep on reading to find out whether your homeowners insurance will cover a sinkhole and how you can protect your home.

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5 Warning Signs to Look for When Filing a Claim

Check out these helpful home insurance terms.

Let’s be real, the process of filing an insurance claim is lengthy, complex, and difficult. Even the most vigilant and mindful policyholders can end up overlooking crucial details that could impact the overall claim’s success. If you’re filing a business-related claim, it may include even more complications and you may need to pay a great deal of attention to different variables to protect your assets and brands.

That’s why experts suggest owners of commercial or business properties work with a professional who specializes in insurance claims. Whether you want to file an insurance claim right after your property is damaged or decide to wait, only a professional can help you deal with the process.

Therefore, you should consider learning about a few red flags to navigate the claims process efficiently. Don’t fret if you have no idea how to go about it. Here we have listed some warning signs to look for when you file a claim.

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Mercury Insurance Reduces Rates for Residents of Georgia

Chamblee home insurance quotes

Did you know that Mercury Insurance has reduced homeowner’s and auto insurance rates for its policyholders in Georgia by 5 percent?

The good news is that the reduction applies to all old and new customers from 25 June. The policy renewals begin August 14th and allows all Mercury policyholders to save an average of $149 annually on their auto insurance and $67 on their homeowner’s insurance.

According to the Product Manager of Mercury Insurance Georgia, Sarah Wang, the insurance organization is delighted to help their customers save money on their insurance. They aim to help coastal Georgia homeowners obtain the essential coverage to repair their houses from any perils or disasters such as windstorms.

Keep on reading to learn more about Mercury and how they reduced their rates for their policyholders in Georgia.

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The Best Day to List Your Home in Atlanta

selling your home in Atlanta

If you live in Atlanta and are all set to list your property for sale, you must know the best day to do it.  No matter how bizarre it may sound to you but listing your home may increase your chances to get it in front of the potential buyers quickly.

Are you interested in learning more about it? Well, keep on reading to explore the best day to market or list your property in the housing market.

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What Are the Most Common Home Insurance Claims in Atlanta?

If you live in the Atlanta area, you understand that homes are expensive. Therefore, if you find the perfect home for you and your family, you have to make sure you are adequately protected. After all, your home is also a valuable investment. That is where home insurance comes in handy. Even though it is not required by law, you should still have appropriate home insurance. You never know what might happen. What are examples of the most common home insurance claims people file in the Atlanta area?

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Do You Still Need Home Insurance if Your Mortgage is Paid Off?

If you live in the Atlanta area, then you know that your real estate is valuable. Your home is one of the most important investments you will ever make. Therefore, you need to protect it. Even though it may take you years, and possibly decades, you will probably pay off your mortgage. At that point, do you still need homeowners’ insurance? Is this required by law? There are a few important points you should keep in mind.

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Atlanta Flood Insurance: Is This Something You Have for Your Home?

atlanta flood insurance

You may not live near a large body of water being in Atlanta. On the other hand, you still need to make sure you have flood insurance. Even if you are a long way from the Georgia coast, a severe storm can easily put an inch of water on the floor of your house. And, if that is the case, then the entire foundation of your home could be damaged. Therefore, you need to have flood insurance.

But is this something that is usually included in your home insurance coverage?

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