Tailored COVERAGE Solutions for Housing Authorities


Georgia's Premier Provider of Risk Retention Solutions

Choosing the Right Shingle

Explore the key differences between architectural and 3-tab shingles to find the perfect fit for your home’s style and durability needs.

architectural shingles

Architectural Shingles

  • Design and Appearance: Architectural shingles, also known as dimensional or laminate shingles, have a layered design that gives them a more textured and dimensional appearance. They often mimic the look of higher-end materials like wood or slate.

  • Durability: These shingles are generally thicker and more durable than 3-tab shingles, offering better resistance to wind, hail, and other weather conditions.

  • Lifespan: Architectural shingles typically have a longer lifespan, often lasting 25-30 years or more, depending on the brand and installation.

  • Cost: They are usually more expensive than 3-tab shingles, but their durability and aesthetic appeal can justify the higher price.

3-Tab Shingles

3-Tab Shingles

  • Design and Appearance: 3-tab shingles have a flat, uniform appearance with three distinct tabs or cutouts. This gives them a simpler, more traditional look.

  • Durability: They are thinner and less durable than architectural shingles, making them more susceptible to damage from severe weather.

  • Lifespan: 3-tab shingles generally last around 15-20 years, depending on the quality and environmental conditions.

  • Cost: They are more affordable than architectural shingles, making them a popular choice for budget-conscious homeowners.


Hurricane Helene damage

While Helene did not make direct landfall in the U.S., it brought heavy rains and strong winds to parts of the Caribbean and the eastern U.S. coast. It particularly affected the Azores, causing significant damage.


Areas impacted by Helene experienced flooding, downed trees, and power outages. The storm's winds caused structural damage, especially to older buildings and roofs, including those with less durable materials.

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Impact on 3-Tab Shingles

Impact on architectural shingles

GHARRP: Born from Necessity, Grown in Unity.


HURRICANE HELENE REPORTING LINK:   


https://form.jotform.com/222714589495166


Or Call:   Scott White  @  678.241.4943



Founded in 1991 under the aegis of GAHRA, the Georgia Housing Authorities Risk Retention Pool (GHARRP) is a member-owned consortium that is committed to delivering secure and cost-effective property and casualty coverage to Georgia's Housing Authorities. During a period when coverage options were scant for housing authorities, GHARRP emerged as a strategic ally, harnessing collective purchasing power to devise an enhanced coverage program.

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Flexible Coverage TO MEET Evolving Housing Needs.


GHARRP's coverage plans are meticulously crafted, taking into account the distinct needs of Georgia's Housing Authorities. This allows us to accommodate necessary changes in response to new programs in affordable and assisted housing sectors, such as the RAD program. As HUD programs evolve, GHARRP maintains a dynamic approach, broadening its coverage scope to mirror the evolving needs of our members.

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Authorized Assurance, Guaranteed Protection.

GHARRP operates as an Interlocal Risk Management Agency (IRMA), holding a license from the State of Georgia and enjoying approval from HUD. We stand at the forefront of risk management, ready to safeguard the assets and ventures of our members across Georgia.

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NEWS & Updates:

Your Source For the Latest

in Housing Risk Management


By Scott White 05 Aug, 2024
Hurricane Helene Warning!!!
By Scott White 11 Jun, 2024
Save a Unit, Save a Life! GHARRP & Auto-Out
15 Mar, 2024
FRAUD - Wire Instructions!
View All News
Frequently Asked Questions

  • Why is Georgia Housing Authorities Risk Retention Pool so popular?

    GHARRP, the Georgia Housing Authorities Risk Retention Pool, is a popular go-to for housing authorities across Georgia due to its commitment to providing secure, flexible, and affordable property and casualty coverage. Since its establishment in 1991, GHARRP has been highly regarded for its innovative approach to addressing the unique and evolving needs of its members. The organization utilizes its collective purchasing power to deliver superior coverage programs, even when traditional insurance options were limited or nonexistent.


    Furthermore, GHARRP's adaptive model allows it to seamlessly integrate changes, including the implementation of new programs in the affordable and assisted housing sector. As HUD programs evolve, GHARRP adjusts its coverage to match the shifting requirements of its members, ensuring their assets and ventures remain secure. Its status as a licensed Interlocal Risk Management Agency (IRMA) by the State of Georgia and approval by HUD cement its credibility, making GHARRP a trusted partner in risk management for housing authorities statewide.

  • What services do you provide?

    At GHARRP, we provide a comprehensive suite of insurance coverage services tailored specifically for Georgia's Housing Authorities. Our offerings include but are not limited to property coverage with a $1,000 deductible, general liability, automobile liability and physical damage coverage with a $250 deductible, directors & officers liability, employment practices liability, excess, boiler and machinery, business interruption, identity theft, and cyber liability. We also offer pollution coverage for both first and third-party liability, and special events liability coverage for individuals or groups using Authority facilities. For specific needs, we can secure additional coverages such as fidelity bonds, security deposit bonds, builder's risk for large projects, and coverage for profit units. We are committed to working with our members to discuss and devise site-specific pollution liability coverage plans and other tailored solutions.

  • How can I get in contact with you?

    We invite you to reach out to us for any questions, concerns, or needs related to our services. For a direct and immediate response, please contact our team via the phone number or email address provided on our website. If you prefer, you can also use the online contact form available on our 'Contact Us' page. Simply fill in your details and your message, and one of our representatives will get back to you promptly. For in-person meetings or correspondence, our office address is also listed on our website.


    Phone: 770-837-9281

    Email: scott.white@gharrp.org


    Address:

    2300 Henderson Mill Road NE

    Suite 325

    Atlanta, Georgia 30345


     At GHARRP, we value your time and your trust, and we're committed to providing you with comprehensive support whenever you need it.

Georgia Housing Authorities Risk Retention Pool (GHARRP)

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