 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 ...  Property title or deed fraud is increasing significantly as criminals target property owners with more sophisticated resources. These forms of fraud can have devastating effects, including loss of property, costly legal battles, and irreparable damage to your financial standing.
If you own real estate, do you understand the best practices for preventing this type of scam? There are 5 steps you can take to shield yourself from these threats.  Labor Day weekend isn’t just a long weekend — it’s a hotspot for some insurance claims that happen more often here than any other time of the year. Here are a few surprises:
 This past year, a family faced a real-life nightmare that no parent ever expects. Their 17-year-old son, driving after a party, lost control of the car and crashed into a nearby home. Thankfully, no one was seriously hurt but the fallout quickly became complicated.
The injured homeowner filed a lawsuit—not just against the teenage driver, but also against his parents, claiming they had “negligently entrusted” him to drive under unsafe circumstances. But when the family turned to their umbrella insurance for help, things didn’t go as planned because, as it turned out, the umbrella policy didn’t apply in this situation. Why?  When you think about your homeowners insurance policy, you probably picture coverage for your home’s structure, personal belongings, and liability protection. But there’s a hidden gap many people overlook, and it could cost you dearly.
 I’ve reported on this question before and, as you might anticipate, this statistic can vary yearly because of factors like changes in vehicle manufacturing and differences in consumer choice.
So far this year....  Your roof is one of the biggest investments in your home, and keeping it in good shape is key to protecting everything underneath it. In recent years, roof rejuvenation has been marketed as a cost-saving alternative to full roof replacement—especially for aging asphalt shingles.
The process typically involves spraying a specially formulated product onto your shingles to restore flexibility and slow down wear. While this may sound like a smart way to extend your roof’s life, it’s not a one-size-fits-all solution. Before committing to roof rejuvenation, here’s what you should consider:  Summer heat isn't just tough on you—it’s brutal on your tires too. In fact, tire failures cause hundreds of avoidable accidents and fatalities each year, especially during the hotter months, which many tire professionals call “blowout season.”
Here are 3 key facts every driver should know to stay safe during summer travel:
Bottom line: Before you head out in the summer heat, check your tire pressure and tread depth. A quick check now could save you from a serious accident later. Planning a road trip? Give me a call at 706-726-1446 for a professional review of your auto insurance. Let’s make sure your coverage is ready to go when you are.  Got a speeding ticket? You're not alone, especially now that law enforcement’s “Operation Slowdown” campaign is in motion.
While the initial fine might sting, the long-term cost will show up later—on your auto insurance. Do you know when the effects of this ticket will show up on your insurance, how much to expect your premium will go up, and how long it will remain on your record? Here's a breakdown of what to expect:  This Independence Day is expected to set a record for the number of Americans traveling — and while that’s great news for reunions, road trips, and summer celebrations, it also means a greater potential for insurance claims.
July 4th consistently ranks among the highest-risk days for incidents that affect both people and property. Here are 7 practical tips to protect yourself, your guests, and your property from becoming part of the claim statistics:  Are you among the many side hustlers renting out your backyard, pool, or other property by the hour?
In addition to bringing in some extra money, it can also create additional liability issues for you.  When people think about what affects their homeowner’s insurance premium, they usually think of things like the age of their roof, condition of their home, and where it’s located.
But does your credit score also play a role?  Throughout my career, I've had more clients than I'd like who declined certain insurance coverage only to then experience some tragedy in which that coverage would have provided much needed protection.
While you don't want to over insure your assets, you DO want to make sure your insurance is adequate. Here are three real-life examples that drive this point home: Severe Storm Season Is Back: Are You Sure Your Homeowner’s Insurance Policy Covers Wind Damage?6/3/2025
 Last year’s hurricane season provided some hard lessons for thousands living in their direct paths. Torrential rains, followed by hurricane-force winds, wreaked devastation on areas with heavy tree densities. This combination created the perfect storm for trees, especially pines, to uproot and fall.
Given our country’s increase in wind-related weather disasters, insurance companies are changing coverage details in some geographic areas. What does this mean for those living in Georgia and South Carolina?  Do your outdoor recreational hobbies include ownership of non-auto motorized vehicles like golf carts, boats, motorcycles, ATVs, or RVs?
Insuring these can be very different from protecting conventional autos. Here are 4 points you should be aware of if you own a recreational vehicle like these:  🛑 66% of U.S. homes are underinsured
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