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Homeowners Loss
In the event you have a homeowner’s
loss, the best thing is to make sure
first and foremost that you’re safe and
okay and so is your family, pets. Second, would be to call your agent because you want to see what your deductible is. Sometimes the loss may not meet your deductible or it might be right over and you don’t want to file a claim when it’s right near your deductible because you don’t want to have that on your record. So, it is best to call your agent, double check. They might tell you if it’s a plumbing issue, call a plumber. If it’s electric issue, call an electrician right away, too. And that
way they those professionals can help
determine if it’s a quick fix fixable
loss or if it’s something bigger that
you need to file.
Flooding
A lot of people say, “Well, I’m not in a
flood zone, so I don’t need
flood coverage.” Just because you don’t live in a technical flood zone doesn’t mean you can’t be flooded because you live where it rains. And where it rains, it builds up. And in southeastern North Carolina, we’ve been some of the fastest growing counties in North Carolina and the country. So, you have a lot more roof lines, a lot more concrete, a lot less area for that water to be soaked into. So, a lot more is going to build up around you faster than you know.
Hurricanes
Luckily, we haven’t had a storm hit here yet. So, in the meantime, what you can do to help make sure that you have everything covered is make sure you have wind and hail coverage on your policy. Look at those deductibles because it depends on if it’s a named storm or not. You might have a percentage deductible, and that’s a percentage of your dwelling limit. So, if you have a $500,000 home and you have a 2% deductible, that’s a $10,000 deductible that you may not be aware of. So, know what your deductibles are up front. Make sure you have wind and hail. And the other biggest one is flooding. That’s not included in your homeowners, and a lot of carriers put a either 30-day or 14-day requirement to wait before that policy becomes effective. So, going ahead and get it now before hopefully we have anything, hopefully not. You want to make sure that you have those coverages included.
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