Atlanta Insurance

Filing a home insurance claim in Georgia? Know your rights before you pick up the phone.

Most homeowners go through the claims process without knowing what their insurer is legally required to do. That gap can cost you money. Here is what every Georgia homeowner should know:
• Document everything with photos and video before making any temporary repairs
• Georgia insurers must acknowledge your claim within 15 days by law
• Do not make permanent repairs until the adjuster has inspected the damage
• You can negotiate a settlement if the first offer does not seem fair
• The Georgia Office of the Commissioner of Insurance handles consumer complaints

Read the full step-by-step guide here: https://atlantainsurance.com/how-does-a-home-insurance-claim-work/

Running a landscaping business in Georgia? Your crew, equipment, and livelihood need more protection than you might think.

Landscaping has one of the highest injury rates of any industry in the country, and Georgia law has specific insurance requirements that can catch business owners off guard. Here is what every landscaping operation needs to know:
• Georgia requires workers' comp if you have 3 or more employees, including part-time and seasonal crew
• Personal auto policies do not cover commercial trucks or trailers
• Commercial clients often require $2 million in liability coverage before signing a contract
• Your equipment on job sites is not covered by general liability or standard property insurance

Know what you are covered for before a claim tells you what you are not.

Read the full article here: https://atlantainsurance.com/landscaping-business-insurance-what-you-actually-need/

Many people assume their homeowners insurance has them covered. The reality is, it usually doesn’t.

Standard home policies often provide very limited protection for business equipment and typically do not cover liability if a client is injured or something goes wrong with your work.

That means your side hustle, freelance work, or growing home business could be exposing you to serious financial risk.

In our latest article, we break down:
• What homeowners insurance actually covers
• Where the gaps are for home businesses
• When you need separate business coverage
• How to protect your income and assets

Read the full guide here 👉 https://atlantainsurance.com/do-you-need-insurance-for-a-home-business/

Your home insurance just went up… and you didn’t even file a claim?

You’re not alone.

Nearly 47% of homeowners saw their premiums increase last year, the highest jump in over a decade.
So what’s actually going on?

It’s not random. It’s a mix of:
• Rising repair costs
• More severe weather
• Inflation
• Insurance companies paying out more than ever

We broke it all down in a simple, no-fluff guide so you can actually understand what’s happening and what to do next.

👉 Read it here: https://atlantainsurance.com/why-home-insurance-is-going-up/

If your rate just jumped, it might be time for a second look at your policy.