Flooding is one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard home insurance policies don’t cover flood damage. The National Flood Insurance Program (NFIP), backed by FEMA, was created to bridge that gap—offering affordable protection for homeowners, renters, and business owners in high- and moderate-risk flood areas. In this article, we’ll break down how NFIP coverage works, who needs it, how ra

When a neighbor’s tree crashes onto your home, it’s natural to wonder — who’s footing the bill? In Georgia, the answer isn’t always what you expect. Most of the time, your own homeowners insurance covers the damage, even if the tree started next door. But if your neighbor knew that tree was dead, diseased, or dangerous and ignored it, liability could shift their way. Learn what Georgia law says about fallen trees, how to protect yourself before disaster strikes.