10/08/2026
🚨🏠 **NORTH GEORGIA — THIS IS YOUR INSURANCE WAKE-UP CALL!** 🌪️🌧️
**HURRICANE ISAIAS IS HEADED TOWARD THE SOUTHEAST, AND NORTH GEORGIA NEEDS TO PREPARE NOW.**
The latest official updates show the main window for impacts across Georgia is **Friday evening through Sunday morning**, with the potential for **40–50 MPH wind gusts, heavy rain, flash and river flooding, power outages and even a few tornadoes.**
And while everyone is watching the weather...
# # # ⚠️ I WANT HOMEOWNERS TO WATCH THEIR INSURANCE, TOO.
When a significant storm is approaching, **insurance carriers can begin restricting what agents are allowed to write or change.**
That can include restrictions on:
❌ Writing NEW homeowners policies
❌ Increasing coverage limits
❌ Adding certain coverages
❌ Changing deductibles
❌ Making other policy changes
**The rules are not identical with every carrier, and restrictions can change quickly.**
But here's the important part:
# # # ⏰ ONCE THE STORM IS APPROACHING, YOU MAY NOT BE ABLE TO MAKE THE CHANGE YOU'VE BEEN PUTTING OFF.
Georgia's Insurance Commissioner has warned homeowners that once a storm forms, **it may already be too late to secure coverage**, which is exactly why reviewing your policy BEFORE severe weather arrives matters.
So if you've been thinking...
🏠 *“I need more dwelling coverage.”*
🏠 *“I'm not sure my home is insured for enough to rebuild.”*
🏠 *“I need to review my wind/hail deductible.”*
🏠 *“I'm not sure what's covered if a tree falls on my house.”*
🏠 *“I wonder if I have flood coverage.”*
🏠 *“I've been meaning to see if another company can give me better coverage.”*
**CALL ME NOW.**
📲 **706-323-9522**
If there is still an available option in the marketplace, I want to help you find it **before the storm closes that door.**
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# # 🌊 AND PLEASE — DON'T ASSUME HOMEOWNERS INSURANCE COVERS EVERYTHING.
A standard homeowners policy generally covers certain wind and tornado damage, but **flood damage is generally not covered by a standard homeowners policy.** Coverage can vary, particularly with manufactured/mobile-home policies, so check your actual policy rather than assuming you're covered.
If you're unsure about your:
✔️ Wind coverage
✔️ Flood exposure
✔️ Deductible
✔️ Dwelling limit
✔️ Personal property coverage
✔️ Additional living expense coverage
✔️ Tree/debris coverage
✔️ Replacement cost vs. actual cash value
**Let's talk BEFORE the storm.**
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# 🏡 5 THINGS TO DO BEFORE FRIDAY NIGHT
**1️⃣ Bring it inside.**
Patio furniture, grills, decorations, garbage cans, umbrellas and anything else that could become airborne should be secured.
**2️⃣ Check your gutters and downspouts.**
You want water moving AWAY from your home—not toward the foundation.
**3️⃣ Take pictures and video NOW.**
Walk around your property and document the condition of your roof, exterior, vehicles, outbuildings and belongings.
**4️⃣ Know your policy.**
Find your policy number, deductible and agent's contact information.
**5️⃣ Have a plan for power outages.**
Charge your phones, have flashlights and batteries available, and make sure you have multiple ways to receive weather alerts.
GEMA and the Georgia Insurance Commissioner both recommend securing outdoor objects, documenting property, having emergency supplies and reviewing insurance before severe weather.
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# 🚨 AFTER THE STORM: WATCH FOR THE “STORM CHASERS.”
Unfortunately, the storm doesn't always end when the wind stops.
That's when another problem can begin:
**PREDATORY CONTRACTORS.**
You may have someone you've never met knocking on your door saying:
👉 “We noticed you have roof damage.”
👉 “We can get your insurance company to replace the whole roof.”
👉 “Sign this and we'll take care of everything.”
# # # 🚩 STOP. DON'T RUSH.
The Georgia Insurance Commissioner specifically warns homeowners to be cautious of unsolicited contractors, contractors who pressure you to act immediately and especially out-of-state contractors.
Before you sign anything:
✔️ Call your insurance company or agent FIRST.
✔️ Take your own pictures and document the damage.
✔️ Verify the contractor's credentials and insurance.
✔️ Get written estimates.
✔️ Get everything in writing.
✔️ Don't sign a contract with blank spaces.
✔️ Don't let someone pressure you into making a decision immediately.
✔️ Be suspicious of anyone claiming they are “approved” or “endorsed” by the government or your insurance company.
**No legitimate contractor should need to bully you into signing something on the spot.**
And if your home is damaged, make reasonable temporary repairs to prevent additional damage when it is safe to do so—but avoid permanent repairs until your insurer has had an opportunity to inspect the damage. Keep your receipts.
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# ❤️ THIS IS WHY YOU HAVE AN INSURANCE AGENT.
I'm not just here to sell you a policy.
**I'm here to help you understand what you bought.**
I work with **50+ insurance carriers**, allowing me to shop multiple options when those markets are available.
But there is something I cannot control:
**Mother Nature doesn't wait for your insurance review.**
And neither do insurance carriers when a major storm is approaching.
# # # 📲 IF YOU'VE BEEN MEANING TO REVIEW YOUR HOME INSURANCE, DON'T WAIT.
**Call or text Hansi Holloway**
📞 **706-323-9522**
🏠 **Ragan Insurance Agency**
Auto • Home • Business • Toys & More
**50+ Carriers | Personal Service | Real People**
**Let's make sure you know what you have BEFORE you need it.**
🌧️ **PREPARE YOUR HOME.
REVIEW YOUR COVERAGE.
PROTECT YOUR FAMILY.
AND DON'T WAIT UNTIL THE STORM IS AT YOUR DOOR.**
*Insurance availability, eligibility, binding authority and policy changes are subject to individual carrier underwriting guidelines and restrictions in effect at the time of application or change.*
