 June marks the beginning of hurricane season, and for residents of Georgia and South Carolina, that means it's time to review your insurance protection before a storm threatens the area.
When hurricanes strike, damage can come from multiple sources—including wind, hail, falling trees, storm surge, and flooding. Unfortunately, not all types of damage are covered by the same insurance policy. Depending on where you live, protecting your home and finances may require a combination of coverages. Here are several important steps to take now—before a storm is on the radar:  You're not by yourself if you feel overwhelmed when making decisions about your insurance coverage.
Why is insurance so complicated, and how do you navigate through coverage options to ensure you choose what's best for you? Read on for answers to these important questions.  Rising costs aren’t just affecting groceries and gas—they’re impacting your homeowners insurance too. The real question is: would your current policy fully cover a loss today?
Many homeowners were already underinsured, and with construction, labor, and fuel costs climbing in recent years, that gap may be even wider now. If your home were to be seriously damaged, your current coverage limit might not stretch as far as you think. The following 4 coverage areas are likely the most vulnerable to inflation:  Severe weather season is back across Georgia and South Carolina. After events like Hurricane Helene, many homeowners learned valuable lessons—but as time passes, it’s easy to let preparation slide.
The good news? A little proactive planning can go a long way toward preventing costly insurance claims. Here are 7 smart steps every policyholder should take before the next storm hits:  Planning a winter road trip? Cold weather and changing conditions can turn a routine drive into an expensive insurance claim fast. A little prep now can help reduce accidents, breakdowns, and out-of-pocket costs later.
Before you hit the road, take a few minutes to protect yourself, your passengers, and your wallet by taking these important preventive steps:  Winter weather in Georgia and South Carolina may not be as severe as other areas of the country, but they can still take a toll on your vehicle. Even mild freezing temperatures can cause issues like:
 Important changes have been implemented for homeowners in Georgia and South Carolina.
Effective January 1, 2026, new laws affect how insurers handle policies, how homeowners prepare for disasters, and even how contractors can market roofing work. Here’s a quick breakdown of key changes:  New Year’s celebrations are fun—but they’re also one of the times we see a noticeable jump in insurance claims. Fireworks, parties, and extra guests can turn small mishaps into costly damage if you’re not careful.
If fireworks are part of your plans, a little preparation can go a long way toward keeping the night memorable for the right reasons. Keep these tips in mind:  Just like many other industries, insurance runs in cycles. Right now, we’re in what’s known as a hard market.
A hard market happens when things like storms, inflation, litigation trends, and other pressures drive up claim costs and cut into insurers’ profits. After several tough years, many companies have tightened their guidelines, pulled back on certain types of risks, and raised premiums to keep their books healthy. On the flip side, a soft market is the easier cycle—insurers have stronger reserves, they’re more open to taking on risk, competition is higher, and premiums tend to stay steady. Historically, soft markets last longer, but both cycles come and go. So what can you do right now to ease the impact of a hard market?  With Thanksgiving right around the corner, the holiday rush is officially here—and so are a few seasonal risks worth preparing for. A quick insurance checkup now can go a long way in protecting your home, car, and peace of mind.
Here are four smart steps to take before the festivities begin:  It’s been a little over a year since Hurricane Helene tore through Georgia and the Carolinas, wreaking an estimated $64.2 BILLION in damages. Damage ranged from high winds, downed trees, inland flooding, mudslides, and infrastructural damage to roads and utilities.
With such a wide range of causes, some homeowners uncovered additional hurricane-related hidden damage after their claim was closed that wasn’t previously included. In cases like this, is it possible for homeowners to re-open the original claim after they’ve already received and cashed a check for those damages and request to receive additional compensation for those damages?  So many homeowners admit they “set it and forget it” when it comes to their homeowners insurance policies. Unfortunately, that means many people end up paying out of pocket for things their policy might already cover.
So, how well do you really know what’s inside your home insurance policy? Most homeowners policies protect six key areas:  Most people don’t find out what’s missing in their insurance until after a claim. And by then—it’s too late.
The number one issue is ...  🛑 66% of U.S. homes are underinsured
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AuthorDennis Lam Archives
July 2024
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