How your homeowner’s insurance coverages can help you rebuild after storm damage

Piles of mangled siding and shingles litter the once lively neighborhoods. You can’t help but ask yourself, how will they ever recover?

This scene is not at all uncommon in the Lower Cape Fear as we have seen our share of storms over the years. And now that hurricane season is upon us here are four things you need to know about your home insurance when it comes to storm damage.

Your homeowner’s insurance may not cover water damage

Water damage can devastate a home, especially after a storm. But most homeowners insurance policies only cover certain types of water damage.

One of the major differences is how the water gets inside your house.

Water damage that originates inside your home or from a storm-created opening is typically covered by home insurance.

Examples may include:

  • An overflowing washing machine
  • A burst interior pipe
  • Rainwater that enters your home through openings storm winds create

This is helpful for most household accidents and some storms, but not in the event of flooding.

Water damage from outside your home is usually not covered by home insurance.

Examples may include:

  • Floodwater
  • A broken water main
  • Water that enters your home through manufactured openings

Unfortunately, these are the types of damages you will most likely have after a storm.

To cover these damages, you may need to add flood insurance to your home insurance policy. To add flood insurance to your home policy, talk to your agent.

Remember just because you don’t live in an area technically designated as a flood zone the potential for flooding still exists. So, it’s a good idea to add flood insurance and it’s usually very affordable. If you do live in a flood zone, you will want to make sure you have the coverage.

You can save money with a common loss deductible

If you experience a severe storm, chances are that more than your home will have damage.

What about your car?

How about your belongings boxed up in the basement?

Different insurance policies cover these items. In the past, this meant you paid multiple deductibles. Now, most insurance companies offer a common-loss deductible.

A common loss deductible reduces the amount you pay on your claim(s) if the damage arises from a single storm or disaster.

If somebody else’s property damages your house during a storm, you are likely still responsible

What happens if your neighbor’s tree falls onto your house and damages your roof during a severe storm? Or, what if your fence blows over and dents your neighbor’s car during a period of high wind? Who is responsible?

The general rule for insurance is that your property is your responsibility. This usually includes trees that fall onto your property.

So, if a neighbor’s tree damages your property during a storm you are responsible. Your home insurance policy will most likely cover your damages.

But things may change if the tree is dead or dying before the storm. In that situation, the owner of the tree may be responsible for your damages.

Your house must be “unfit to live in” to receive reimbursement for temporary relocation

After severe storm damage, your home may be unsafe to live in. If this is the case, your home is “unfit to live in.”

“Unfit to live in” means you and your family cannot safely stay in the home.

Determining if your home is unsafe after a severe storm can be difficult. Most claims departments try to determine whether a home is fit to live in on a case-by-case basis.

For example, if your roof blows away in strong winds, your home may be unsafe. But, if your basement floods and needs time to dry, you may be able to safely stay in your home.

If your home is unfit to live in, some home insurance policies cover the cost of temporary relocation and other living expenses. This may include living expenses you incur during your home repairs or until you find a new house.

You may need to make the decision to temporarily leave your home before talking with your insurance company. If you do leave your home, make an honest assessment to determine if it’s unfit to live in – especially if you expect your insurance company to pay for your expenses.

Examining your current insurance coverages for potential gaps is critical. Talk with us local insurance agent before disaster strikes to prepare your family.

Have you ever experienced a natural calamity before? Floods are quite common and many people have been a victim of this kind of a disaster. Along with affecting your property and belongings, it can also take lives. Even if you are able to save yourself, the loss of property or belongings can be huge. That is why you should arrange for some sort of a compensation against such monetary losses. Invest in a good quality flood insurance program. We, at Sound Choice Insurance, can be the right solution for you. We are an established and reliable company which has been in this field for a long time. We bring you a wide variety of insurance programs, right from home, automobiles, condo, and business to even flood insurance. We are known for our quality coverage and customer oriented approach. So, if you belong to areas such as, Jacksonville, NC, New Bern, NC, Wilmington, Beaufort, Emerald Isle, Havelock, then you can opt for us. 

Flood Insurance in Jacksonville, NC, Beaufort, Wilmington

Here, we have put together a few things to check about your flood insurance company before making a choice will stop take a look. 

  1. Independent Insurance Agency 

First of all, you should make sure that the company you are choosing is independent in nature. Independent insurance companies can provide you with a number of career options which helps you choose a policy suitable for your particular requirements and also meets your budget. Check the independent status of the company before making your choice. 

2. Quality Coverage 

You must remember that you are choosing this company for its insurance programs. And that is why the insurance program should provide you with quality coverage. Check if the policy meets all the potential losses you are likely to face because of a flood. 

So, if you are interested in choosing us, contact us now. 

Do you own a business? Or do you want to start one? No matter what industry you are catering to, there are certain risks and challenges in every kind of business in order to combat such losses in your business, you have to keep a compensation arranged. Otherwise, it will be a huge financial set back for you. Get a business insurance immediately. We, at Sound Choice Insurance, can be the right choice for you. We are an established and reliable company which has been in this field for a long time. We can provide you with a wide range of insurance programs, right from home, flood, condo, and business to even auto insurance. We are also an independent insurance agency which means that we can provide you with multiple carrier options. So, if you belong to areas such as, Jacksonville, NC, Wilmington, Beaufort, New Bern, NC, Morehead City, or Newport, NC, then you can choose us without any hesitation. 

Business Insurance in Jacksonville, NC, Beaufort, Wilmington

Here, we have put together a few smart tips that will help you find a good business insurance agency easily. Take a look. 

  1. Take recommendations 

The first and foremost thing that you have to take care of while choosing a company for business insurance will be asking for referrals or recommendations. Ask around among friends and family who have some experience in this regard so that you can make reliable choice and save yourself from frauds. 

2. Research on the Internet

Another way you can find the right company for business insurance would be to research on the Internet. Just browse for avail and you will get a few reliable suggestions. But you must always go through the client reviews, feedbacks, and online ratings so that you can understand the sort of reputation they have in the market. 

And if you are interested in our insurance products, contact us now. 

Have you just purchased a home or are you thinking of buying one? Home is not just a place of shelter but it is a solid investment. However, sometimes this investment can get your losses instead of returns.  If there is a natural calamity or an act of vandalism, your house could be badly affected and require huge restorations. Or if there is a burglar or theft attack at home, your expensive valuables could be lost or stolen. In order to recover from these losses, you will need good home insurance protection. We, at Sound Choice Insurance, can be the right choice for you. We are an established and reliable company which has been in this field for a long time. We can provide you with various kinds of insurance protection, rights from home, automobiles to even business insurance. We are known for our wide variety of insurance and customer-oriented approach. So, if you are located in areas like Beaufort, Jacksonville, NC, New Bern, NC, Wilmington, Havelock, or Newport, NC, then you can choose us.

Home Insurance in Beaufort, Jacksonville, NC, New Bern, NC, WilmingtonHere, we have put together a few questions to ask your home insurance agency. Take a look.

  • Are you an independent insurance agency?

Generally, people prefer an independent insurance agency because these can provide you with various carrier options. With a variety of carrier options to choose from, you can actually pick a policy that will suit your budget and requirements completely. That is why it is better to ask this question before making a decision.

  • Do you offer free quotes?

Next, you should make sure that the company your choosing for your insurance programs can provide you with free estimates of the rate of premiums. This will help you understand if it is suitable for your budget or not. You may also use these quotes to compare them with others and see if this is the reasonable option you are getting or not.

So, if you are interested in choosing us, contact us now.

All kinds of businesses are exposed to certain risks and challenges but the situation is even more serious if you own a small business. Big businesses can still deal with the losses but for the small business owners even a little amount of loss can prove to be dangerous. That is why they should all the more invest in a small business insurance program. We, at Sound Choice Insurance, can be the right choice for you. We are an established and reliable insurance company, which can provide you with a wide range of insurance programs. right from home, automobiles to business insurancewe can help you with everything you might need. We are an independent insurance agency so you can get more career options from us. So, if you are located in areas like Wilmington, Jacksonville, NC, Beaufort, Morehead City, Newport, NC, or Atlantic Beach, NC, then you can opt for us. 

Small Business Insurance in Beaufort, Jacksonville, NC, Wilmington

Here, we have put together a few questions to ask a company offering you small business insurance. Take a look. 

  • What kinds of coverage do you offer? 

Before selecting a company or its insurance policy, you should know if you are being beneficial from this policy at all or not. That is why you need to know the details of the coverage and go through it thoroughly. You should ask this question before taking the decision. 

  • Can you offer free quotes? 

Getting an estimate for the insurance programs is always beneficial because you can understand if this insurance policy is affordable for you or not. You should ask for advanced quotes to not just match it with your budget but also compare it with others and see which one is the most reasonable one. 

So, after getting the answers, if you want to opt for our insurance policies, then contact us today. 

Are you planning to start a business of your own? Or do you already have an existing business? No matter what it is, you will know about the various kinds of challenges or risks you will have to face because of your business. Be it a natural calamity damage in your commercial building or your infrastructure being stolen by thefts or burglars, you might have to face huge damage. Moreover, if others are injured in your workspace, you might be held responsible and be asked to pay liability payments. That is why you must invest in a high-quality business insurance program. We, at Sound Choice Insurance, can be the right choice for you. We are an established and reliable company which has been in this fieldWe can provide you with a wide variety of insurance programs, right from auto, home to even business insurance. We are also an independent insurance agency which means you can get multiple carrier options to choose from according to your set budget and requirements. We are known for our coverage benefits and customer oriented approach. So, if you belong to areas such as, Wilmington, Beaufort, Jacksonville, NC, New Bern, NC, Emerald Isle, or Havelock, Then you can opt for us. 

Business Insurance in Jacksonville, NC, Beaufort, Wilmington

Here, we have put together a few things to check before choosing a business insurance policy. Take a look. 

  • Quality Coverage 

Whenever your choosing an insurance company, it is given that you have to first focus on the sort of coverage the policy is providing you with. You need to make sure that all the potential losses you might face because of your business are effectively covered in this policy. That is why you need to always check the insurance policy before choosing the company. 

  • Premium Rates 

You must focus on the budget while choosing your business insurance policy. Therefore, you need to take advanced quotes for the insurance premiums and match it with your existing budget. You might also want to compare it with the others to ensure you are getting a reasonable rate of premium from this company. 

So, if you are interested in our insurance policies, then contact us now. 

Do you own a car or a motorcycle of your own? Then, you must be aware of the losses you could incur owing to being an automobile owner. You might have to pay for frequent auto body repairs after a long period of wear and tear. You might have to pay for the medical bills if you are injured in an auto accident and if others are injured, then you might also have to make liability payments. All these could create a huge monetary loss. That is why you need a good auto insurance policy to compensate against such losses. We, at Sound Choice Insurance Agency, can be the right solution for you. We are an established and reliable company which can help you with a variety of insurance programs. Right from home, business, automobiles to a yacht, and flood insurance, we have all kinds of programs for you. We are known for our wide range of options when it comes to insurance along with our customer-oriented approach. So, if you belong to areas such as Beaufort, Jacksonville, NC, New Bern, NC, Wilmington, Havelock, or Newport, NC, then you can rely on us.

Auto Insurance in Beaufort, Jacksonville, NC, New Bern, NC, HavelockHere, we have put together a few major things to check about your auto insurance policy before making a choice. Take a look.

  • Coverage Details

You have to ensure that the insurance policy you are choosing is benefiting you. You have to go through the potential losses and see if this policy covers those or not. Otherwise, this investment will not help.

  • Premium Rates

Another vital thing to keep an eye on is the rate of premiums. You should go through the rate of premiums offered by the company. Then, you can check it with your budget and see if it is feasible for your pockets or not. You may also compare it with others to make a reasonable choice.

So, if you want to choose us for your insurance needs, then contact us now.

Do you want to invest in a new house? Sometimes due to lack of proper space, convenient facilities, and bad neighborhoods, one might want to shift homes. But you must understand that there are certain risks and challenges that you will have to keep in mind when it comes to a new house. And these risks have to be borne by you as a homeowner. You should arrange for some sort of compensation if you want to get rid of these losses. That is why home insurance is so important. We, at Sound Choice Insurance Agency, can be the right choice for you. We are an established and experienced company which has been in this field for a long time. We bring you a wide range of insurance programs, starting from home, auto, business, to flood, yacht, and so on. We are known for our variety of insurance programs and affordable premium rates. So, if you belong to areas such as New Bern, NC, Jacksonville, NC, Beaufort, Wilmington, Havelock, or Emerald Isle, then you can opt for us.

Home Insurance in New Bern, NC, Jacksonville, NC, Beaufort, WilmingtonHere, we have put together a few essential ways in which home insurance can benefit you. Take a look.

  1. Damage Restoration

If there is a natural disaster in your area, your house could be damaged severely. You could also face vandalism for which your property could be destroyed. These damage restorations can cost a lot. If you have home insurance, you can meet such expenses.

  1. Loss of Valuables

When there is a theft or a burglary at home, you could lose many precious belongings at home, right from your cash, jewelry, electronics to furniture, and even priceless décor items. This loss of valuables can be compensated if you have a good homeowner’s insurance policy.

So, if you are interested in our insurance programs, then contact us now.

Do you want to start a business of your own? Or do you already have a business? There are various things to take care of when you own a business. Right from managing the quality of the products and services to coming up with marketing initiatives for brand promotions, you have to do many things. But you must understand that being a business owner, you have to handle the several kinds of risks and challenges that might come your way. You need commercial insurance for your business. We, at Sound Choice Insurance, can be the right solution for you. We are an established and experienced company which brings you a wide range of vital insurance programs. Starting with home, condo, auto to business insurance, we can provide you with a high-quality coverage for everything you might need. With our quality coverage and customer oriented approachwe have become one of the preferred companies for insurance requirements. So, if you belong to areas such as Wilmington, New Bern, NC, Jacksonville, NC, Beaufort, Newport, NC, or Havelock, then you can opt for us. 

Commercial Insurance in Jacksonville, NC, Wilmington, Beaufort

Here, we have put together a few vital things to ask your commercial insurance company. Take a look. 

  • Are you an independent insurance agency? 

Independent insurance agencies are better because you can get multiple carrier options to choose in accordance with your budget and priorities. This is a great advantage to get the perfect benefits. That is why you need to ask about this. 

  • Can you offer free quotes? 

Next, you must ask if the insurance company can provide you with free quotes or not. This will help you get an estimate so that you can match it with your budget and see if it is affordable or not. You may also want to use these quotes to compare it with others and choose a cheaper solution. 

And if you are thinking of choosing us, then you must contact us today. 

 

How long have you been using the same car? If it has been functioning for a long time, then you will notice it shows signs of damage. If this becomes a frequent affair, then you will have to pay a huge repair cost. Or imagine if unfortunately your car meets with an accident, then along with auto body repair, you will notice that you might face injuries for which you have to pay medical bills. And if others get injured in or by your car, then you will have to make liability payments. The only way to cover these expenses is get a good car insurance coverage. We, at Sound Choice Insurance, can be the right choice for you. We are an established and renowned company which provides you with a wide range of insurance programs. Right from home, condo, flood, to business and auto insurance, we can help you with everything. We are also an independent insurance company which means you can choose from a number of carriers according to your requirements and budget. So, if you belong to areas such as Beaufort, Havelock, Jacksonville, NC, New Bern, NC, Wilmington, or Newport, NC, then you can opt for us. 

Car Insurance in Havelock, New Bern, NC, Beaufort

Here, we have put together a few factors to check about your car insurance policy. Take a look. 

  1. Coverage Details 

You should know the coverage details of the insurance policy before buying. Make sure it covers all the potential losses that you might incur because of your car. Or else, there is no point in getting this insurance coverage. 

2. Premium Rates 

Next, you must know about the rate of premiums for the insurance before taking a decision. You should take quotes in advance and match it with your budget. You might also want to compare it with others and see if it is the most reasonable option or not. 

So, if you are thinking of choosing us, then contact us now.