Insurance Tips
If you’re like most Atlanta-area homeowners, your policy renews sometime around the new year, and this cycle a lot of folks are seeing premiums and deductibles creep up again. Here’s the part nobody mentions: damage that’s already on your roof gets handled under the terms you had when it happened, not whatever kicks in after renewal.
If hail or wind hit your roof earlier this year and you’ve been putting off dealing with it, waiting until spring could mean filing under a higher deductible or different coverage than what you actually had at the time. A fall inspection locks in the facts while your current terms still apply.
Get your roof checked before your policy renews, not after, so any existing damage is documented under your current deductible.