If you’ve looked at your homeowner’s insurance policy in depth, you’ve no doubt come across a few different values listed on the paperwork. These values commonly consist of replacement cost and actual cash value, among others. Usually, your insurance policy will cover one or both of those amounts. But what do they actually mean? How […]
Sometimes your insurance company will insist on doing an inspection of your home prior to a home insurance policy renewal. They may also want to conduct an inspection if you’ve just bought a new home to make sure that everything is in good condition before your new policy kicks in. There are generally two parts […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
