Heritage Insurance
613 E Main St, Atlanta, TX 75551
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613 E Main St, Atlanta, TX 75551
View this agency's profile to learn more about their services.
809 W Main St, Atlanta, TX 75551
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205 W Main St, Atlanta, TX 75551
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Learn about insurance coverage options specific to Atlanta residents.
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Yes, standard homeowners insurance in Georgia covers tornado damage under windstorm protection. This includes damage to your home's structure, detached buildings like garages, personal belongings, and additional living expenses if your home becomes uninhabitable. You don't need a separate tornado policy—it's already included in your standard coverage.
Tornado coverage protects against wind damage—roof damage, blown-out windows, debris impact. Flood coverage protects against rising water entering your home. If a tornado damages your roof and rain comes through the opening, that's covered. But if floodwater enters through doors or windows during the same storm, you need separate flood insurance through the National Flood Insurance Program.
There's no separate cost for tornado coverage—it's included in your standard homeowners insurance premium. Your overall premium depends on factors like your home's value, location, deductible, and coverage limits. Atlanta's moderate tornado risk may factor into pricing, but you won't see a line item specifically for tornado coverage on your bill.
Contact your insurance company right away to start your claim. Take extensive photos and videos of all damage before touching anything. Make temporary repairs to prevent further damage, like covering holes with tarps, and save all receipts—these repairs are typically reimbursable. Don't make permanent repairs until an adjuster assesses the damage.
Georgia averages 20 to 30 tornadoes annually, with March through May being peak season. While not as common as in traditional Tornado Alley, Atlanta has experienced significant tornadoes, including the 2008 EF2 that struck downtown and the 2021 EF4 that devastated Newnan. The metro area sits in a moderate tornado risk zone, making adequate insurance coverage essential.
No, homeowners insurance doesn't cover vehicles. Tornado damage to your car is covered under the comprehensive portion of your auto insurance policy, not your homeowners policy. If you only carry liability coverage on your car, tornado damage won't be covered at all—you need comprehensive coverage for weather-related vehicle damage.
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