Hiring a contractor for a home renovation, repair, or improvement can be exciting. You’ve imagined the finished project — maybe a new kitchen, bathroom, or even a deck. But what happens if something goes wrong? One of the most overlooked risks is hiring a contractor without proper insurance . In Georgia, this can leave homeowners exposed to financial and legal consequences if damage occurs. In this guide, we’ll break down the scenario, explain what your homeowners insurance m

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.