Does Homeowners Insurance Cover Storm Flooding in Georgia?
The critical question: Is it storm damage or a flood? Standard homeowners insurance covers wind-driven rain entering through a damaged roof or broken window — that's "storm damage." Water entering from the ground up — overflowing rivers, storm surge, ground saturation — is a "flood" and requires separate NFIP flood insurance.
Knowing the difference determines your entire claim strategy. Estate Solutions documents storm damage throughout Metro Atlanta. Call (404) 913-3030 — we assess damage, determine coverage triggers, and handle insurance coordination from start to finish. Free inspection. Insurance billing direct. Licensed GC.