Catastrophe Savings Account Repair Planning – Georgia
Big repairs can hit without warning: storms, fallen trees, broken fences, roof damage, or flood-related cleanup. Georgia’s Catastrophe Savings Account rules give you a way to set aside money just for these events. This page explains how Selvage Home Services (SHS) helps you plan repairs around that savings, so you are not starting from zero every time.
Table of Contents
- What a Catastrophe Savings Account Is (in simple terms)
- What SHS’s role is (and is not)
- Real-World Scenarios
- Questions and Answers
- How We Build a Repair Plan Around Your Savings
What a Catastrophe Savings Account Is (in simple terms)
A Catastrophe Savings Account is a special type of savings account Georgia lets you use to save money for disaster-related home repairs, often with tax advantages.
In simple language, it is:
- a “storm and disaster” savings bucket
- for big, unexpected home costs
- designed for regular people, not just wealthy households
You put money into it over time. When a big event happens — like a storm tearing down your fence or a tree punching a hole in your roof — you have funds saved specifically for that kind of repair.
What SHS’s Role Is (and Is Not)
What we are not:
- We do not open the Catastrophe Savings Account for you.
- We are not a bank or financial advisor.
What we are:
- a home services partner who helps you plan repairs around that account
- the team that gives you realistic cost estimates for likely repairs
- the people who help you phase work to match your savings growth
You talk to your bank, credit union, or financial advisor about setting up the account. We talk to you about the actual work that will eventually be paid from it.
Real-World Scenarios
Scenario 1 – Storm-Damaged Fence
A storm knocks down sections of your fence. Your dog can escape. HOA is upset. You don’t want to put everything on a credit card again.
With a Catastrophe Savings Account, you might already have a chunk of money waiting for exactly this kind of job. SHS gives you a clear estimate and completes the work, backed by documentation if insurance or HOA needs it.
Scenario 2 – Roof and Gutter Problems
Heavy rain reveals roof leaks and overflowing gutters. You know a roof is expensive, and you are nervous. Instead of ignoring it, a Catastrophe Savings Account gives you a place to steadily save for repair or replacement, guided by actual cost ranges.
Scenario 3 – Repeated “Surprise” Repairs
One year it’s the fence. Next year it’s deck boards. Then it’s the driveway. You feel like something is always breaking. A dedicated disaster-and-major-repair account gives you a stable plan instead of a constant surprise.
Questions and Answers
Q: Do I have to be rich to use a Catastrophe Savings Account?
A: No. It is aimed at regular homeowners who want a structured way to save for big, rare repairs.
Q: Can I use it for any project?
A: The focus is disaster and major repair costs. Ask your financial institution or advisor
which uses qualify under Georgia rules.
Q: How does SHS help me with this account?
A: We provide repair estimates, prioritize work, and phase projects to match what you can
realistically save and spend over time.
Q: Does SHS control my savings?
A: No. You always control and own your account. We help you plan how to use it for home repairs.
For more context on how this fits into Georgia’s 2026 homeowner law changes, see: Georgia Homeowner Laws 2026 – Simple Guide.
How We Build a Repair Plan Around Your Savings
- Assessment: We review your property’s biggest risk areas: fences, decks, roofs, drainage, and more.
- Estimates: We provide cost ranges for the most likely major repairs.
- Priorities: We rank projects by safety, risk, and urgency.
- Phasing: We break work into stages to match your expected savings and potential insurance help.
- Execution: When you are ready and funds are available, we perform the work and provide documentation for your records.
This service is about turning “I can never catch up” into “I have a plan and I am moving forward.”
Contact Selvage Home Services (SHS)
If you are dealing with any of these 2026 Georgia homeowner issues and you are not sure what to do next, contact Selvage Home Services (SHS). We will walk you through it step by step.
Phone: 7702770716
Email: shs@selvagehomeservice.com
Service Areas: Update this line with your Georgia cities and counties.
You can also send us photos of your issue (fence, gate, junk, insurance letters, etc.) so we can give you clear, simple guidance before any work begins.