Send us your declarations page and we will walk it with you: replacement cost versus actual cash value on the roof, water backup, ordinance and law, and the wind deductible buried on page four. Then we will tell you whether one of our 20+ markets does it better.
Carriers across the Southeast are tightening appetite, raising wind deductibles, and non-renewing entire ZIP codes. That is exactly when an independent agency earns its keep.
A non-renewal is usually about the carrier’s book, not your house. Tell us what happened, and within a day we will tell you straight whether we have somewhere to place it.
Closing on a Georgia home? Your lender needs a binder, and the quote engine default is rarely the right coverage. We turn closings around fast and set the policy up correctly the first time.
Before you accept it or gut your coverage to soften it, let us shop it. Moving carriers at renewal is what an independent agency is for.
Roof age is the number one reason quotes come back ugly. Some carriers settle roofs at actual cash value and some do not, and that difference is worth thousands at claim time. We know which is which.
Home plus auto is usually the single largest discount available on both policies, and it is the foundation an umbrella sits on. We quote the household, not the policy.
If we already handle your business or rental properties, your own home belongs in the same file, with limits that coordinate across everything you own.
Direct quotes compete on one number, so they default to whatever configuration prices lowest. These are the settings that decide what a claim actually pays.
Before we quote you anything, send us your current declarations page. We will show you, in plain English, how your roof settles, what your wind deductible really is in dollars, and what is missing.
If your current policy is set up well and priced fairly, we will tell you that and you should keep it. If it is not, you will see exactly why before you see our number.
Email it to dbrown@pinnacleriskad.com or attach it to the quote form. Fifteen minutes, no obligation.
The Florida home market is genuinely hard right now, and any agency that promises otherwise is selling you something. Here is how we handle it.
Florida placement depends on the specific property: distance to coast, roof age and shape, wind mitigation credits, prior claims. We check your actual risk against our markets before saying yes.
If we can place it, we tell you with a real number. If we cannot, we say so immediately and point you in the right direction instead of sitting on your file.
If you own in Florida, a wind mitigation inspection (OIR-B1-1802) can drive major premium credits. We already work these on our Florida landlord book. Ask us before you pay for anything.
Often, yes. Non-renewals are frequently about carrier appetite: a company shrinking its exposure in your county rather than your specific house. A different market may write it normally. Send us the non-renewal notice and your dec page, and we will give you a straight answer quickly.
It narrows the market, but it rarely closes it. The bigger issue is how the policy settles the roof: some carriers move older roofs to actual cash value automatically. We will tell you which of our markets still offers replacement cost for your roof’s age and material.
Case-by-case, honestly. Georgia is our primary homeowners market. For Florida properties, placement depends on the specific risk. Location, roof, wind mitigation, claims history, and we tell you within about a day whether we have a home for it rather than stringing you along.
Fast. Lender binders are routine here. Send the address, the closing date, and your lender’s information, and we will have options and evidence of insurance in time for closing.
The property address, roughly when the roof was last replaced, and ideally your current declarations page. The dec page is the big one. It answers most underwriting questions in one shot and lets us compare coverage honestly instead of price against price.
Usually, yes. The multi-policy discount is typically the largest single discount on both policies, and having both with one advisor means your liability limits coordinate, which matters the day you add an umbrella. We quote it both ways and show you the difference.
The other half of the bundle discount, and where our commercial driving-record expertise finds money generalists miss.
Your homeowners liability limit is a ceiling. An umbrella extends past it for a couple hundred dollars a year.
Rental property is written on a landlord policy, not a homeowners policy. If you own rentals, that is its own conversation, and our home turf.
Independent commercial insurance for landlords, truckers, and business owners across Georgia and Florida.
2700 Cumberland Pkwy SE, Atlanta, GA 30339
