At Doug Blevins Agency & Associates, with over 20 years of combined insurance expertise, we’re committed to transparency and protecting our community. We’ve identified a concerning trend that every homeowner in Walton County needs to know about.
The Hidden Policy Change
Many insurance carriers are quietly modifying roof coverage from Replacement Cost Value (RCV) to Actual Cash Value (ACV) during policy renewals. This change, often buried in fine print, can have devastating financial consequences for homeowners.
Understanding the Financial Impact:
Let’s break down what ACV coverage really means for your wallet:
1. The Real Cost Difference
Example Scenario:
- New Roof Cost: $20,000
- With RCV Coverage: You pay only your deductible
- With ACV Coverage (12-year-old roof):
- Depreciation: $10,000+ (based on age)
- Insurance Payout: Less than $10,000
- Your Out-of-Pocket Cost: $10,000+ plus deductible
2. Hidden Financial Traps
- Depreciation increases yearly
- Older roofs face steeper deductions
- Construction costs continue rising
- Material prices remain volatile
- Labor costs keep increasing
The ALFA Insurance Difference
While others reduce coverage, ALFA Insurance has invested in Georgia homeowners by maintaining full replacement cost coverage for roofs. As your local ALFA agency, we’re proud to offer:
- Full replacement cost coverage
- No depreciation deductions
- Transparent policy terms
- Clear renewal documentation
- Stress-free claims experience
Serving All Walton County Communities and Surrounding Areas:
- Monroe
- Loganville
- Social Circle
- Between
- Good Hope
- Jersey
- Walnut Grove
- Grayson
- And surrounding areas including Bold Springs, Campton, Gratis, Mt. Vernon, Pannell, Windsor, Youth, and Split Silk
Protect Your Investment
Don’t wait until storm damage reveals gaps in your coverage. As a Million Dollar Round Table member and Top Producer for ALFA Insurance, our team is equipped to:
- Review your current policy
- Explain coverage options clearly
- Provide competitive quotes
- Ensure comprehensive protection
- Deliver “white glove” service
Take Action Now
Contact our award-winning team at Doug Blevins Agency & Associates. We are committed to providing exceptional service and protection for your most valuable assets.
Visit our website: www.dougblevinsagency.com
Visit us at 7700 Hampton Place, Loganville, GA 30052
Call: (770) 599-5145
Email: dblevins2@alfains.com
Don’t let fine print changes leave you exposed. Schedule your free policy review today and discover the peace of mind that comes with full replacement coverage from ALFA Insurance.
Supporting Our Community
As part of our commitment to Walton County, a portion of our proceeds goes to local ministries and non-profits organizations. When you choose Doug Blevins Agency & Associates, you’re not just protecting your home – you’re helping strengthen our community.
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