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We’re continuing the conversation on Go Gaddis Real Estate Radio with Expert Advisor Matt Reeves, Exclusive Allstate Agent and Personal Financial Representative, as we dig deeper into the insurance challenges brought on by the growing number of natural disasters. Host Cleve Gaddis recaps the eye-opening first half of the discussion, then guides listeners through the real-world implications of what homeowners are facing today. From increased premiums and denied claims to policy non-renewals and coverage restrictions, the stakes are rising across Metro Atlanta and beyond. In this extended segment, Matt explains: What’s behind the dramatic increase in homeowner insurance rates—even in low-claim areas Why roof replacement has become a make-or-break issue for coverage approval How some insurers are exiting entire states or zip codes—and what that means for your renewal Strategies for comparing policies, bundling coverages, and asking the right questions How your claims history, deductible level, and credit