At Robin Martin & Associates, one of our top priorities is protecting our buyers and sellers. A great real estate agent helps navigate the market, negotiate deals, provide detailed valuation analyses, and connect clients with trusted resources like lenders, inspectors, and more.

The latest challenge we’re seeing in the Alpharetta, Johns Creek, Milton, Roswell, and Metro Atlanta markets is tied to home insurance—and it’s something every buyer and seller should be aware of.

The Unexpected Insurance Hurdle

One of our valued lending partners recently informed us that a major insurance provider denied coverage for a home simply because the roof was over 15 years old.

Now, imagine being under contract on your dream home, only to discover during the closing process that your lender can’t fund the purchase because the home isn’t insurable.

For sellers, this can be just as devastating. Even if you’re past the due diligence phase, you could face a failed closing if the buyer can’t secure insurance. Picture having everything packed and ready to move, only to find out on closing day that the deal can’t go through.

Why This Matters More Than Ever

Home insurance costs in our market have surged by over 55% since 2019. Now, insurance companies are becoming stricter—not only raising premiums but also tightening coverage requirements, especially for issues like aging roofs.

Navigating this evolving landscape can be overwhelming, but that’s where we come in.

Protecting Our Clients

Our team uses the following strategies to help both buyers and sellers avoid these last-minute surprises. 

• Ensuring buyers check the home’s insurability during the due diligence period.
• Advising sellers on potential issues, like older roofs, that could hinder the sale.
• Providing guidance on contract stipulations that protect all parties involved.

It’s now more important than ever to be sure you’re working with a knowledgeable, proactive agent who can guide you through these new challenges. At Robin Martin & Associates, we’re here to ensure you’re fully protected every step of the way. Give us a call when you’re ready to make your next move! 678-665-0202