Georgia averages 25 to 40 tornadoes per year. Nearly 1 in 5 drivers on Georgia roads carries no insurance. Home insurance rates rose 12% in 2024 alone — and nearly 40% since 2019. The Scheiderich Agency helps Georgia homeowners and drivers understand what their coverage actually covers — before a claim makes it clear that it doesn't.
Mon–Fri 8AM–5PM · Sat by appointment · After hours calls returned next business day
Most people associate catastrophic storm damage with Florida or the Gulf Coast. The data tells a different story for Georgia. The state averages 25 to 40 tornadoes per year according to NOAA severe weather climatology records, with peak activity running from March through May — and severe weather season that is essentially year-round. In 2024 alone, Georgia experienced an outbreak of more than 79 tornadoes causing approximately $2.4 billion in property damage. Hurricane Helene added an estimated $10 to $20 billion more in associated costs to the state that same year.
Wind and hail are the single largest driver of homeowners insurance claims nationwide — accounting for 42.5% of all claims filed between 2019 and 2023, with an average payout of $14,747 per claim according to Insurance Information Institute data. Georgia's position in the Southeast storm corridor means that figure is not an abstraction. It is the most likely reason a Georgia homeowner will ever file a claim.
What many homeowners do not know is that their policy's response to storm damage may look different than they expect. Georgia insurers are increasingly applying separate wind and hail deductibles that can reach 5% of a home's insured value — meaning a homeowner with a $400,000 dwelling could owe $20,000 out of pocket before coverage applies. Carriers are also restricting or declining coverage on roofs older than 15 to 20 years, regardless of condition. These are not hypotheticals. They are the specifics that determine whether a claim results in full repair or a significant personal financial loss.
We review your dwelling limits against current replacement costs — not the purchase price. We identify separate wind, hail, and hurricane deductibles. We flag roof age restrictions that could affect your claim outcome. And we discuss flood coverage, which standard homeowners policies do not include.
A review takes 20 to 30 minutes and costs nothing. The gaps it finds can be significant.
Schedule a free coverage reviewSources: NOAA / Georgia Severe Weather Climatology; Marsh MMA Southeast Insurance Market Update (Feb 2025); Insurance Information Institute Claims Statistics (2019–2023); Georgia Watch / AJC (July 2025); Policygenius Home Insurance Statistics.
Georgia's uninsured driver rate sits at approximately 19 percent — well above the national average of 15 percent, according to Insurance Information Institute data. That means on any given road in Georgia, roughly 1 in 5 vehicles carries no liability coverage. If an uninsured driver causes an accident that injures you or damages your vehicle, their policy will not pay — because they do not have one.
The Georgia Department of Transportation recorded 367,523 crashes in 2024, resulting in 1,494 fatal crashes and 1,596 fatalities. Over the five-year period from 2020 through 2024, the state saw more than 1.8 million total crashes and 8,451 fatal crashes. These are not outliers. They are what driving in Georgia looks like at scale.
Uninsured motorist coverage closes the gap when an at-fault driver has no policy to pay for your damages. It is one of the most important — and most underutilized — coverages available to Georgia drivers. We discuss it with every auto insurance client, not as an upsell, but as a straightforward response to a real and documented risk on Georgia roads.
Based in Downtown Buford, licensed statewide. We serve Georgia clients by phone, email, and in person — with coverage guidance that starts with an honest conversation about what you actually need.
Georgia's storm exposure makes home insurance one of the most important — and most misunderstood — policies a homeowner carries. We review dwelling limits, wind and hail deductibles, roof age restrictions, and flood coverage gaps so you know exactly what your policy will and won't do.
Explore home insuranceWith 19% of Georgia drivers uninsured, carrying only the state minimum is a meaningful financial risk. We walk through liability limits, uninsured motorist coverage, and what Georgia's 25/50/25 minimum actually pays — and where it falls short — in plain language.
Explore auto insuranceAn umbrella policy provides liability protection above your home and auto limits. In a state with high crash rates and significant storm exposure, umbrella coverage is one of the most cost-effective ways to protect your assets against a large claim. We discuss it with clients who have meaningful assets at stake.
Explore umbrella coverageFor Georgia families with mortgages, dependents, and long-term plans, life insurance is a foundational part of complete coverage. We help Georgia residents find the right type and amount without overcomplicating the process or recommending more than is needed.
Explore life insuranceGeorgia's business community spans every industry from manufacturing to healthcare to professional services. We help Georgia business owners identify the liability, property, and operational coverage that fits their specific operation — not a generic package.
Explore business insuranceWith rates up 40% since 2019 and Georgia's storm and auto risk well documented, a coverage review is one of the most useful things a Georgia homeowner or driver can do. We review your current policies, explain what changed, and identify gaps — at no charge.
Schedule a reviewOur office is in Downtown Buford. We serve clients throughout the region by phone, email, and in person. Select your area for local-specific coverage information.
Fill out the form and someone from our team will follow up — typically the same business day.
Calls after 5:00 PM will be returned the next business day.
A free coverage review takes 20 to 30 minutes and starts with an honest look at what your policy will actually do when you need it.
Mon–Fri 8AM–5PM · Sat by appointment · Based in Buford, GA