Plain-language guides on insurance claim denials, water damage, wind, mold, fire, and the public adjuster process. Written for homeowners standing in damage who deserve a straight answer.
More than 120,000 Georgians lost power and trees came down from Tucker to the North Georgia mountains. Document before you clean up, then call Amanda for a free review.
URGENT · HURRICANE ISAIAS · OCT 10 TO 11High Wind Warning and Flood Watch through Sunday morning. What your policy usually covers from wind, trees, and rain, the deductible to check tonight, and what to document before and after the storm.
ATLANTA · PILLAR · LICENSED GEORGIA PAThe complete Atlanta homeowner’s guide to hiring a licensed Georgia public adjuster. What we do, what we charge, how we beat denials and lowballs, and the GA rules, § 33-23-43.8 and Rule 120-2-52, that govern every claim in Cobb, Fulton, Cherokee, Bartow, Paulding, Gwinnett, and Douglas.
AMANDA FIGHTS STATE FARM EVERY DAYUnsealed court records, an Oklahoma Attorney General lawsuit, and a CEO ordered to testify. If State Farm denied or underpaid your Georgia roof claim, here's how to get a second look.
URGENT · SEPT 30 · SW ATLANTA APARTMENT FIREFire at Colonial Square Apartments on Old Hapeville Road SW destroyed at least four units and displaced about 20 residents. The landlord's policy covers the building. Your renters policy covers your belongings and your hotel.
URGENT · SEPT 20 · BARTOW LIGHTNING FIRESLightning started fires at a Cartersville storage building and an Adairsville detached garage. Lightning is covered. The money gets lost in the Other Structures limit, the contents, and the surge damage nobody files.
URGENT · SEPT 20 · SE ATLANTASaturday's storm sent a tree through a southeast Atlanta roof on McWilliams Road. Carriers scope the shingles and close the file. Here are the three denials they use and the counter-moves that force a full-scope settlement, including interior water, contents, and additional living expenses.
URGENT · SEPT 18 · LAWRENCEVILLE FIREGwinnett firefighters pulled a victim from a basement fire at 200 Park Place Drive September 18. Heavy fire, smoke, and water damage across three floors. Five adults and a dog displaced. Every house-fire claim is four losses on one policy, and the smoke and firefighter-water lines are where carriers underpay first.
BUILDER DEFECTS · GEORGIA16 Stonewood Creek households in Dallas, Georgia filed AAA arbitration December 22, 2025 over Uponor AquaPEX pipe failures. The builder defect is not covered by your homeowners policy. The water damage the failed pipe causes is. Two tracks, one coverage line that decides the claim.
STORM ALERT · SEPT 5, 202660 mph gusts, 50,000+ without power at peak, 34 NWS wind-damage reports across 15 GA counties (Hall, Fulton, Gwinnett, DeKalb, Rockdale, Henry, Carroll). The wind versus tree-health denial fight and the 6-item first-72-hours documentation list.
COVERAGE EXPLAINEDBurst pipes, failed supply lines, ruptured water heaters, and appliance leaks are covered under every Georgia HO-3 policy. The fight is over three exclusion phrases: continuous seepage over 14 days, wear and tear, and gradual. Here is how each denial loses.
BREAKING · ATLANTA · NEWSWSB-TV Channel 2 reports the City of Atlanta denied 74% of 575 home damage claims. A Georgia PA breaks down the 6-month ante litem clock under O.C.G.A. §36-33-5 and the coverages on your own homeowners policy that keep working after the city says no. Sudden and Accidental water. Service Line. Ordinance or Law. Loss of Use.
NORTH FULTON · HIGH-VALUE HOMESNorth Fulton homeowners with $700K+ properties get lowballed more often than they realize. Where carriers cut corners on Sandy Springs, Alpharetta, Roswell, and Johns Creek claims: O&P, matching, code upgrades, and depreciation hold-back.
CONTRACTOR VETTINGA great settlement handed to a bad contractor is a slow denial in disguise. The 10-item checklist a Georgia public adjuster reads on a contractor’s paperwork before you sign. GA license, COI, matching scope, AOB, lien waivers, and the O.C.G.A. §10-7 rules on insurance-claim roofing.
CLAIM DENIALSA homeowner’s guide to questioning, auditing, and challenging insurance decisions. Why denials happen, what they cost, and how to push back.
A recorded statement, a missed wall cavity, and one phrase that changed everything.
ACV depreciation, the matching fight, and the GA 60-day clock that decide whether your Atlanta roof claim pays a few thousand or a full replacement.
CARTERSVILLE · BARTOW · I-75From the 2013 Adairsville EF-3 to the 2021 Cartersville tornado, how NW Georgia storm losses get handled differently than intown Atlanta, and where the money hides.
GEORGIA · MOLD · PILLARMost Georgia homeowners think mold isn’t covered. The truth is more specific. The sublimit math, the causation fight, and the supplement window that decides whether the carrier pays $5K or $25K.
GEORGIA · MOLD SPOKE 1The carrier paid the burst pipe and closed the file. Then mold appeared. How the ensuing-loss clause turns that mold into a paid supplement, and why timing kills most of these claims.
GEORGIA · MOLD SPOKE 2The mold exclusion in your policy is two sentences. The second one is the carve-out the carrier hopes you don’t read. The four denial arguments, and the counters that flip them.
GEORGIA · MOLD SPOKE 3Storm hit your roof in March. Mold showed up in September. The mold is usually still the storm’s claim, if you file it before the suit-limitation clock runs out. The Atlanta-corridor post-storm timeline.
GEORGIA · REGULATION · LICENSINGRoofers who ‘handle the insurance’ are committing a misdemeanor and voiding their own contracts. The Georgia statutes, O.C.G.A. § 33-23-43.8(k), the 2025 Court of Appeals ruling, and how to verify a PA’s license in two minutes.
URGENT · GEORGIA · POST-STORMTrees down across Cobb, Cherokee, Fulton, Paulding, and Douglas from Arthur’s remnants. Don’t let your carrier limit the claim to ‘tree removal only.’ Structure, contents, debris, code upgrades, and ALE are all covered, here’s how to keep every line on the estimate.
GEORGIA · STORM RECAP60+ Georgia counties were under a Flood Watch from Potential Tropical Cyclone One including Cobb, Cherokee, Fulton, Bartow, Paulding, Forsyth, Gwinnett. Document the cause before you mitigate and the carrier cannot call it ‘flood’ and walk away.
GEORGIA · TROPICAL · COVERAGEThree-piece evidence file: the opening, the interior pattern (top-down vs. bottom-up), and the dated storm event. The framework that reverses ‘flood’ denials in Georgia.
URGENT · CHEROKEE · TOTAL LOSSThird structure fire in Cherokee County in 24 hours. Home a total loss, a dog killed, cause pending. The words ‘cause under investigation’ hide a coverage fight most homeowners lose in the first 30 days. The Georgia playbook, start to first check.
URGENT · NW ATLANTA · TOTAL LOSSHome destroyed near Georgia Tech, pets saved, one cat missing. Homeowner cites an accidental pet-caused ignition. Even a clean accidental cause moves through SIU on a total-loss fire. The 30-day playbook.
SW ATLANTA · BUSINESS PROPERTY · SUBLIMIT$9,000 in construction supplies lost when a nearby camp’s campfire spread to a shed. Homeowner had complained to property management for months. Two tracks live in this fact pattern, and most owners file for only one.
URGENT · GEORGIA · THERMAL RUNAWAYFDNY logged 279 lithium-ion fires in 2024, 30 deaths since 2022. E-bikes are 70 percent of them. The trend is hitting Atlanta. Your policy covers the fire. The fight is the negligence carve-out the carrier reaches for the moment they see the cause.
URGENT · ATLANTA · UPONOR PEXAtlanta News First aired the investigation June 8. Federal class actions are active with Georgia plaintiffs named. If your home was built 2010–2021 in Cobb, Cherokee, Paulding, or Bartow, check your pipes tonight.
COBB · ROOF · DENIALAllstate, State Farm, Travelers are converting Cobb County roofs to ACV at 10, 15, 20 years. The wear-and-tear pivot is industry-standard. So is the reversal, if you know the Georgia HO-3 language.
COBB · CHEROKEE · WATERThe most-denied claim type in the corridor. Burst pipe, supply-line failure, slab leak. Three words carriers use to deny, and how Georgia policy language actually reads.
Soot in HVAC. Embedded odors in framing. Contents loss vs. structural.
The carrier’s favorite denial reason. What the policy actually says.
Exactly what carriers ask, why your answers get used against you, and what to say instead.