How to Prepare for Hurricanes in North Carolina

Written By Charlotte Insurance on September 7, 2022. It has 0 comments.

How to Prepare for Hurricanes in North Carolina - hurricane season road sign

Hurricane Florence may have been the last major hurricane to hit North Carolina back in 2018 but even when we’re not in the direct path, we’re still impacted by storms every hurricane season. It’s important to prepare so that you can keep yourself and your family safe. Here’s what you need to do. Build Your […]

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Insurance Policy Endorsements – What are They and Do You Need Them?

Written By Charlotte Insurance on December 21, 2021. It has 0 comments.

a stack of insurance policy riders

When you purchase an insurance policy – home, auto, or anything else – and pay your premiums, it’s easy to assume you’re fully covered. Since coverage is determined by where you’re at in life at the time of purchase, you may be. Until you’re not. Endorsements often provide additional or extra coverage that your standard […]

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Home Insurance and Power Surges – What You Should Know

Written By Charlotte Insurance on December 7, 2021. It has 0 comments.

lightning hitting a home causing a power surge that's covered by home insurance

We’ve all been there. The storm outside gets worse, with lightning and thunder crashing all around you. You fear it might hit your home or cause a serious power surge. Oftentimes you get lucky and the storm passes without incident. But what happens if there’s a sudden power surge and your computer, appliances, or smart […]

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Does Your Homeowners Insurance Cover Sewer Line Replacement?

Written By Charlotte Insurance on November 29, 2021. It has 0 comments.

damaged sewer line covered by a sewer line backup insurance policy

Welcome to every homeowner’s worst nightmare: foul sludge bubbling up from your pipes into the tub or your yard. It gets everywhere, smells disgusting, and costs thousands in damage. Sewage backups and line damage wreak havoc on homes all the time. Will your homeowners insurance policy cover sewer line replacement? Here’s what you need to […]

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Sewer Backup Insurance – Gross But Necessary

Written By Charlotte Insurance on November 1, 2021. It has 0 comments.

a flood basement in a home with sewage backup insurance

No one wants to think about sewer lines, waste, and a sewage backup. We wash things down sink drains and flush toilets to make sure we don’t have to think about it. Sewage is gross. What’s grosser still is a sewage backup. Finding yourself ankle deep in sewage in your basement, bathroom, or front yard […]

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Personal Cyber Insurance: A New Coverage Worth Considering

Written By Charlotte Insurance on April 22, 2021. It has 0 comments.

a person typing on their laptop, researching their personal cyber insurance options

You likely hear a similar refrain of advice on a frequent basis, either from family and friends or on social media: Don’t click a link in an email from an address you don’t recognize. Be careful about what sites you shop from. Avoid logging into your bank or financial service sites on public WiFi. Where […]

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April Showers Bring May…Flooding

Written By Charlotte Insurance on April 20, 2021. It has 0 comments.

a multi colored umbrella getting rained on.

Scroll through the news on your phone or turn on the evening news during dinner before or during a storm, and you’ll hear the same thing: Warnings about potential flooding. In November 2020, Charlotte was hit with historic and deadly flooding. In late March 2021, forecasters warned of flash floods and other dangers after a […]

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Preparing Your Home for Windy Weather

Written By Charlotte Insurance on March 18, 2021. It has 0 comments.

an uprooted tree due to high winds

Storm winds cause more than half of all reported damage after a storm, according to the NOAA. Damage sustained to a home can be costly and devastating. Protect your home by preparing it for potential high winds and storms before they hit. Check for Necessary Repairs Routine maintenance around your home can help prevent unnecessary […]

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Disaster Preparedness for Every Homeowner

Written By Charlotte Insurance on October 27, 2020. It has 0 comments.

a home on fire amidst a natural disaster

No one wants to think a disaster will ever happen to them, but storms, fires, and other dangers can strike out of nowhere. To keep your family and your same safe, prepare early for potential disasters. Here’s what you need to know as a homeowner. Identify Potential Hazards Certain hazards are common to everyone, regardless […]

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The Importance of Property Maintenance

Written By Charlotte Insurance on June 23, 2020. It has 0 comments.

a homeowner who understands the importance of property maintenance

In the event of a homeowners insurance claim, it’s important to be able to show that your property was being actively maintained before the issue started, otherwise the claim may be denied. Here’s what you need to know about property maintenance and maintaining good records. Schedule Regular Services and Maintenance To help prevent problems before […]

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