Having the right insurance coverage for your boat is essential to protecting yourself and your financial interests when you’re out on the water. It’s important to familiarize yourself with the different types of coverage available and decide which policy would best suit your needs.

Among these options is floater insurance, also known as cruising endorsement coverage. It is an increasingly popular form of boat insurance that offers enhanced protection when compared to standard liability policies. With a floater policy, you can receive extensive financial protection in case of accidents, theft, or any other unforeseeable incidents while sailing – giving you peace of mind as well as increased safety levels on the water. 

We’ll discuss what a floater policy is exactly and why it’s so important for boat owners who are looking to further insure their investments and stay safe in any situation on open waters.

What Exactly is a Floater Policy

A floater policy is a boat insurance policy designed for boat owners who wish to cover and protect their boat, any additional items related to the boat, and any activities or people involved in the boat. With a floater policy, boaters are able to receive wider coverage than traditional boat insurance products. This is because floater policies allow you to insure all of the value of your boat itself, as well as any accessories, electronic equipment, and other items associated with the boat. It can provide coverage for electronics such as GPS navigational systems, boat equipment like anchors, and other items such as fishing rods, tackle boxes, and lifejackets. This type of boat insurance can also provide funding for repairs to the boat should it incur any kind of damage during its time on the water.

Not only that but the policy often provides coverage on top of that for injury claims arising out of events involving your boat. Finally, many insurers offer liability coverage should an injury occur when operating your boat. In short, a floater policy is essential for any boat owner looking for extensive coverage for their vessels and activities.

Without floater policies, boat owners may have to face costly repairs due to accidents or unforeseen incidents – even with boat insurance. Investing in a floater policy could save boat owners from significant financial losses in the long run.

Benefits of a Floater Policy

Boats are among many of life’s luxuries, and boat owners should protect their vessels accordingly. A boat floater policy is an example of boat insurance that provides maximum protection against physical damage or loss while the boat is docked, in transit through water or air, and coverage can even extend to newly added equipment. This type of coverage goes beyond basic boat insurance. 

This specialized coverage provides boat owners with peace of mind knowing they are protected if various circumstances should arise. A key benefit of having this policy is that it doesn’t just cover the boat itself but will also provide financial protection if another boat or dock is damaged due to the boat-owner’s negligence.  Additionally, the high-end coverage offered by boat floater policies makes them a great option for those who want comprehensive coverage when insuring expensive boats.

With all this extra protection from a boat floater policy, boat owners can rest assured that their boats are continually insured no matter where they explore!

Do All Boat Insurance Policies Have a Floater Policy?

Boats are a large financial investment, and boat owners need to protect that investment with boat insurance. When it comes to boat insurance, the basics such as boat liability coverage, boat damage coverage, and boat medical coverage are usually standard. But not all boat insurance policies include a floater policy, which is important for more expensive boats or luxury items left aboard. 

A floater policy provides additional protection against theft of a boat, its motor, trailer, and any personal property kept on board such as rods and reels. It will also protect items that move from boat to boat such as rental boats and houseboats. This often goes beyond what is provided in the base boat insurance policies, so boat owners need to consider carefully and determine if these types of possessions would benefit from having this extra level of protection. 

If you have an expensive boat or keep items of value on board your craft, it’s worth considering the addition of a floater policy to your boat insurance package. It’s important for boat owners to assess their needs and find an appropriate boat insurance policy that fits these requirements—one with or possibly without a floater policy.

Contact Sound Choice Insurance Today

A floater policy adds an additional layer of protection to your boat and everything on it. If you are interested in learning more about how a floater policy can benefit you and live near Morehead City, North Carolina, contact Sound Choice Insurance today. One of our experienced representatives would be happy to answer any questions you have and help you find the perfect insurance policy for your needs.

Are you a boater looking for more information about boat insurance? If so, it’s important to be aware of the terms and conditions that come with any given policy. One component of many policies is known as a lay up period, but what exactly is this – and why might it be beneficial in protecting your beloved vessel? The lay up period serves as an important element of your boat insurance coverage that can help you save on costs without sacrificing quality or coverage.  We will take a closer look at lay up periods when it comes to boat insurance, understanding what they are and looking at how they can help secure your valuable asset while out of the water.

What is a Lay Up Period?

A lay up period, also known as lay-up or layup, occurs when a boat is taken out of service for an extended period of time and is stored in a safe location to protect it from damage. It is a preventative measure most commonly used with boats that will not be in use for more than a few months.  For example, this usually is when the boat is taken out of the water for the cold winter months.

Is Your Boat Covered During its Lay Up Period?

Whether you’re taking a break from boating over the winter or between excursions in the summer, lay up periods are just part of owning a boat. During lay up, it’s important to make sure that your boat is covered to guard against any kind of accidents, damage, theft, and other unexpected costs. If you have a boat loan or your vessel is worth a decent amount, having lay up coverage in place can provide significant peace of mind during this time. 

Lay up coverage usually applies to boats left unattended and provides protection for impacts (such as natural disasters) and theft that would otherwise not be covered by traditional marine insurance policies. This type of policy usually gives boat owners the option to reduce their premium or receive a discount on coverage during that period, assuming they meet specific requirements laid out by the provider. They receive these discounts since they are already taking proactive measures by helping reduce the risk of loss during a period when their boat may be more vulnerable.

However, specific terms can vary so investigating lay up rates and provisions means that you will know exactly what type of protection you have in place for your boat during its lay up period.

Do All Policies Have Lay Up Period Coverage?

While lay up coverage is a popular choice for boat policies, not all policies take this option into account. For some policyholders, lay up coverage is an attractive option since they won’t have to be worried about their possessions while the boat is in storage. However, that protection isn’t always available; it depends on the insurer and the type of policy purchased. If lay-up coverage isn’t included in a policy, the insured may need to purchase additional insurance during those idle times, as most policies will state limits of only covering when in use or operation.

Ultimately, if lay up coverage is something important to you, make sure to check your stated coverage details before committing to a certain policy.

What if You Don’t Have Lay Up Period Coverage?

Not having lay up period coverage on your boat can be a cause of great financial burden and stress. Most cases, lay up coverage is provided to protect the insured in scenarios such as when the boat is left unattended for extended periods of time. While this coverage might not be mandatory, it adds an extra layer of assurance that any potential risks the boat may face during lay up remain covered by the policy. Depending on location, frequency, duration, and other factors, lay up coverage might be able to provide better protection against certain perils that may exist outside of normal operating conditions such as exposure to temperature fluctuations and unwanted animal visitors. Ultimately, investing in lay up period coverage should help rest assured that your boat will remain adequately protected regardless of how long it has been inactive for.

Contact Sound Choice Insurance 

Even if you don’t plan on using your boat during the wintertime, it’s important that you insure it against potential damage. A lay up period is when a boat owner takes their vessel out of the water to store it for an extended period of time, usually because of inclement weather or ice. Many insurance policies will cover boats during their lay up periods, but it’s always best to check with your provider to be sure. Without coverage, you could be facing some expensive repairs come springtime. Sound Choice Insurance can help you find the right policy for your needs and make sure your boat is properly covered during its lay up period. Give us a call today to get started.

Whether you’re a first-time boat owner or an experienced sailor, it’s important to know how to prevent overloading your vessel. An overloaded boat can lead to a host of problems, including decreased performance and stability, as well as potential underwater hull damage. These issues don’t just affect the enjoyment of your experience on the water; they could also have serious financial implications in terms of repair costs down the road. The good news is that there are simple steps you can take to help prevent your boat from becoming overloaded. Following proper safety guidelines can mean the difference between an enjoyable day out on the water and a potentially dangerous and costly incident. For more information about how to avoid overloading your boat, keep reading!

What is Overloading Your Vessel?

Overloading your boat or vessel is a common mistake made by boat owners. This occurs when the boat is loaded beyond its maximum load, usually based on weight, number of occupants, and size. Just like with vehicles on land, the more people and items occupying a boat, the heavier the boat will become. While this weight may in theory make a boat more stable, any boat has its limitations with cargo size and weight capacity.

Essentially, this means that a boat cannot safely handle more people or cargo than it was designed to carry and if done may cause serious accidents due to instability or capsize. Having the right boat load weight is important for boat safety, not just to prevent accidents, but also to maximize boat performance by ensuring proper balance and flotation while on the water. Taking safety measures to make sure your boat is not overloaded should absolutely be taken seriously and include such considerations as where excess weight can be shifted around on board in order to keep boats within their limits.

What Happens When You Overload Your Vessel?

When a boat or vessel is overloaded, it is at risk of sinking due to the imbalance of weight created by carrying too much cargo. It can lead to the boat becoming top-heavy and unbalanced and, consequently, capsizing. This can be further compounded with windy conditions and long stretches of open waters. Not only that, but if too much weight is put on one side of the boat, there’s a higher chance of structural fatigue in those spots which could lead to cracks in the hull. Any inconsistency while moving across or through bodies of water may put you and your boat at further risk. It is therefore important that boat owners know their vessel’s capacity beforehand and be sure not to exceed it in order to avoid any potential consequences.

How to Find the Maximum Load on Your Vessel

When planning to take your boat out, it is important to first consider its maximum load capacity. ​​This value indicates the amount of weight that the boat can safely carry without risk of performance or structural issues.  Generally speaking, the calculation for this will include stored items, such as fuel and water tanks, plus crew and passengers all added together – usually expressed in pounds – and compared against the total weight your boat is capable of carrying. The boat’s capacity is typically indicated on a placard or plate mounted either on the boat itself or in the boat’s owner’s manual. 

Keeping these values in mind when outfitting and planning for voyages can help ensure your boat performs optimally as well as keep you safe on open waters.

Tips to Avoid Overloading Your Vessel

To ensure that your boat is safely prepared for the water, there are several key tips to keep in mind when loading items onto your boat. Planning ahead is key to making sure you don’t overload your boat or vessel. First, you want to check the maximum load on your boat so that you know exactly how much weight you can put on your boat.  You should always account for the weight of travelers, equipment, and gear that will be on board and ensure they are within the boat’s acceptable capacity range. 

Understanding weight distribution is also key to preventing overload: avoid identifying heavy items at one end of the boat as any imbalance could cause dangerous issues. These heavier items should be placed towards the middle of the boat to reduce rocking and create stability. Additionally, inspect the boat regularly and immediately offload anything that becomes damaged during your time out on the water.

With some basic organization and precautions taken, you can avoid overloading your boat or vessel.

Contact Sound Choice Insurance

Knowing how to find the maximum load on your vessel is crucial for avoiding overloads, which can lead to accidents and costly repairs. There are a few simple steps you can take to avoid overloading your vessel, and we hope that you found these tips helpful. 

If you have any questions about insurance for your boat or would like a quote, please don’t hesitate to contact us at Sound Choice Insurance. We’re always happy to help our clients find the coverage they need.

Are you wondering what the difference is between jet ski and boat insurance? If so, you’re not alone. Many people find themselves confused when trying to determine which type of coverage they need for their watercraft. Don’t worry – it becomes pretty straightforward once you understand the basics of each type of policy and how they differ from one another. 

Whether you are an avid water sports enthusiast or just getting started with recreational activities on the water – we will provide you with all essential information needed for making informed decisions about insuring your vessel!

What is Jet Ski Insurance?

Jet Ski Insurance, also known as personal watercraft insurance (PWC) is specifically designed for personal use of recreational water crafts including jet skis and WaveRunners. It typically covers personal liability, bodily injury, property damage, uninsured watercraft owners and personal effects. Work loss coverage due to covered accidental injuries are often an optional add-on to defer some of the personal financial obligations in such cases. 

Personal watercraft insurance is a necessary precaution if you’re an avid jet ski user or offer them as rentals. Policies are typically quite affordable and help protect you from financial losses due to liabilities as well as physical damage to the craft itself. It also covers liability if someone files a claim against you for property damage, personal injury, or death due to your operation of a personal watercraft. 

It’s wise to check your state specific regulations on personal recreational watercraft before venturing out into open waters with a personal jet ski or any other personal watercraft.

What is Boat Insurance?

Boat insurance is an important part of boat ownership that most boat owners should consider. Regardless of whether you’re an experienced boater, or if you’re just getting into boating, boat insurance can help protect your finances in case anything happens to your boat or if someone gets injured on it. 

Boat insurance policies typically cover a variety of losses such as motor and boat repairs, medical coverage for those injured on your boat and even theft of the boat itself. Policies are often customizable, so you can tailor them to fit your unique needs and budget. 

With boat insurance, you can enjoy the luxury and joys of owning a boat without the worry of extensive costs resulting from damages or malfunctions. It’s the difference between having peace of mind while cruising in your boat and facing astronomical repair bills later down the line – boat insurance gives you that extra layer of protection necessary when you own a boat. Securing reliable boat insurance should be one of the first steps taken by any new or experienced boat owner.

The Difference Between Jet Ski Insurance and Boat Insurance

Jet skis and boats are two very popular boats to have out on the water, but did you know there’s a difference between boat insurance and jet ski insurance? Choosing the correct boat insurance or personal watercraft (PWC) insurance is essential to make sure you are protected while on the water. 

PWC insurance and boat insurance differ in coverage due to the differences between vessels, with boat policies typically providing broader coverage options and higher limits. Specifically, boat insurance includes liability protection for your boat and surrounding property, so if the boat damages docks, buoys or other watercrafts, you’ll be protected. Additionally, boat insurance policies cover costly items like navigation systems or fishing electronics that aren’t covered under PWC policies. 

When it comes down to it, boat and PWC insurance ultimately offer different pieces of a larger coverage puzzle—choose the type that best suits your needs.

Can You Insure a Jet Ski with Boat Insurance?

Whether you own a boat or personal watercraft like a jet ski, insurance can provide the coverage you need. It is important to understand that boat insurance and personal watercraft insurance are two different types of coverage. While boat insurance generally covers boat related liabilities caused by an accident, it does not cover the more unique aspects associated with a personal watercraft policy such as liability caused by irresponsible operation of your vessel.

When it comes to more specialized recreational water crafts like personal watercrafts—such as jet skis, kayaks and other similar items—additional provisions may need to be made for coverage that boat insurance does not provide. This means that you will need to get personal watercraft insurance for your jet ski, rather than trying to insure it with a boat policy.  Luckily, personal watercraft insurance is typically cheaper than boat insurance, so you do not need to worry about breaking the bank to insure your jet ski.

Contact Sound Choice Insurance Today

In short, jet ski insurance is more commonly known as personal watercraft insurance. It is its own type of insurance policy distinct from boat insurance. It’s important to have the right kind of policy in place so that you’re properly protected while you’re out on the water. If you have any questions about insuring your jet ski or boat, be sure to contact Sound Choice Insurance. We’d be happy to help you find the right coverage for your needs, for the best price available.

The purchase of a boat is an exciting milestone for any avid sailor, but it comes with the responsibility to ensure its safe use. Depending on where you live or plan to sail, boat insurance may be required by law. If you are operating a boat in NC waters, understanding your responsibilities for obtaining appropriate boat insurance coverage is important. 

With that said, you’re probably wondering what those legal requirements are. In this blog post, we’ll look at the laws that govern boat insurance in NC and explore how you can best protect yourself and your property with the right coverage.

The Benefits of Boat Insurance

Boating can be a wonderful and relaxing experience, but unexpected costs or incidents on the water can quickly derail an otherwise pleasant outing. Whether you own a boat for leisure or commercial use, boat insurance provides boat owners peace of mind and protection against the financial costs that may arise during unexpected situations. Having boat insurance at your disposal means that you are well-covered against expensive repairs or replacements. 

Boat insurance policies can be tailored to cover boat parts, equipment, recreational boats & jet skis, as well as additional coverage for liability protection and personal accident.

Among its benefits, boat insurance offers coverage for physical damage and theft, as well as liability protections to shield boat owners from any legal claims that may stem from their use of the boat. Furthermore, some boat insurance policies also provide compensation for medical bills and funeral services for those involved in an accident. 

Offering both financial and legal protection to boat owners who might be subject to expensive repair fees or lawsuit fines in the event of an incident on the water, boat insurance is an essential component for safe and security boating trips.

Is Boat Insurance a Requirement in NC?

Boat insurance is becoming an increasingly popular topic of conversation amongst boat owners in North Carolina. Whether you own a canoe, kayak, boat or boat trailer, boat insurance can provide financial protection against damages and other unexpected losses. Although boat insurance is not required by law in the state of North Carolina, it’s important to understand that boat owners may be held liable for any property damage or injuries caused by their boat.

Boat insurance is typically for personal boats that are less than 26 feet in length, while yacht insurance applies to larger boats and yachts greater than 26 feet in length. Yacht insurance is generally more expensive than boat insurance due to its additional coverage features, and factors such as boat size, age, contents, type of use, and other details may also affect rates. Yacht policies are typically broader in scope than boat policies and provide additional benefits such as navigational limits and worldwide coverage. The cost of either type of policy will depend largely on factors such as the size and value of the boat, where it is docked, age of the boat and operator experience.

Before taking your boat out on the water, review current boat insurance policies and contact your coastal county agents to learn more about boat requirements and regulations. Knowing what type of protection you need and what is legally required will help give you peace of mind when operating your boat in NC waterways.

The Consequences of Not Having Boat Insurance

It’s no secret that boat insurance can be one of the most important investments when owning a boat. Without boat insurance, boat owners put themselves at risk for some serious consequences if in an accident.  While boat insurance is not a legal requirement in most North Carolina, it provides important financial protection should unfortunate events such as theft, vandalism, fire or damage to another boat occur.

Boat owners should also be aware that if they cause any type of accident, they could ruin their personal finances if they don’t have boat insurance. Boat owners without any kind of coverage are putting themselves at considerable risk if they ever find themselves in a serious accident, as medical costs can quickly add up and become very expensive.

Choosing a boat insurance plan that meets your personal needs can help to provide both peace of mind and financial security as you enjoy all that boating has to offer.

Contact Sound Choice Insurance Today

Boat insurance is not required by law in North Carolina, but there are many benefits to having it. Without boat insurance, you could be held liable for damages and injuries that occur as a result of an accident. The consequences of not having boat insurance can be severe, so it’s important to make sure you’re properly protected. If you have any questions about boat insurance in North Carolina or would like a quote, please don’t hesitate to contact Sound Choice Insurance in Morehead City. Our expert agents are able to help you find the best boat insurance rates around so you can enjoy your boat to the fullest.

Do you have a small fishing boat and wonder if you need to get insurance? Whether it’s a canoe, dinghy, or larger vessel, it’s important to understand the risks of owning and operating your craft — so knowing whether or not getting an insurance policy is the right choice for that particular vessel can be confusing. We understand the confusion around boat insurance and want to help you better understand why it’s important for your small fishing boat. From being aware of what coverage is available to looking into local laws, we’ll equip you with the right knowledge to make an informed decision about getting insurance for your primary or leisurely vessel. Read on to learn everything you need to know when it comes to insuring your small fishing boat.

What Types of Insurance are Available for a Small Fishing Boat

For many of us, having a small fishing boat is a dream come true. There are various types of insurance available for small fishing boats, including liability insurance for incidents involving damage to others, property coverage in the event of theft or fire damage of the vessel itself, hull coverage for accidents affecting the hull and machinery due to collisions at sea or other causes such as sabotage, vandalism and rising water levels. Personal accident insurance may also be available to cover injuries incurred while on board a vessel.  

Other specialty coverages can also be added, such as coverage for lost gear, coverage from pollution spills, towing insurance, and more. In a coastal state like North Carolina, ensuring your boat against weather-related events such as hurricanes is also essential. 

Different insurance companies offer different add-ons for their boat insurance policies, so it is best to shop around to find the right one that meets your requirements. It’s important to understand the insurance policy on your small fishing boat in order to make sure it provides you with the coverage you need. 

Is Insurance Required on My Fishing Boat?

If you own a fishing boat, insurance is highly recommended to protect you and other boat owners in the event of an accident, injury, or theft. Additionally, certain types of insurance policies also cover legal fees associated with disputes over insurance claims related to the use of your fishing boat.

The overall insurance requirements will depend on your jurisdiction as insurance laws vary state to state. To ensure compliance with regulations, it’s important to understand insurance requirements in the area where the boat will be used.  In the state of North Carolina, boat insurance is not a requirement.  However, just because it is not required doesn’t mean you should just forgo boat insurance on your small fishing boat.  You don’t want to find yourself in a tight financial spot after an accident.  Plus, when you have boat insurance on your fishing boat, you do not need to worry about having other people on board your boat.  To find out the best coverage to get for your boat, consider working with an insurance agent.  They will know the best policies available across multiple insurance providers.

What Factors Affect the Cost of Insurance for a Small Fishing Boat

Insurance for a small fishing boat is not a one-size-fits-all purchase, and several factors can affect the cost. The insurance providers will want to understand the size of the vessel, its age and make, and where it’s stored between uses in order to set their premiums. 

For example, if your boat stays in secure facilities when not in use, insurance companies could decide to lower your insurance costs accordingly due to the increase in security. Other factors such as the type and size of motor used for propulsion could factor into cost determination as well – insurance companies may offer discounts for boats with smaller motors typically used for leisure boating activities versus larger engines designed for more powerful vessels. If you provide proof of boating safety classes or have other recreational insurance policies in your name that could help earn you discounts on your insurance bill, too. 

These are just a few ways insurance companies determine the cost for small fishing boat insurance, allowing you to get just the coverage you need at an affordable rate.

Contact Sound Choice Insurance Today

There are a variety of insurance options available for small fishing boats. The amount of coverage you need may vary depending on the type of boat you have as well as the waters you plan to fish in. Whether or not insurance is required on your fishing boat depends on a number of factors, but it’s always a good idea to have some form of protection in case of an accident. The cost of insurance will vary based on a number of factors, including the size and value of your boat. 

If you are interested in getting an insurance policy for your small fishing boat in the state of North Carolina, contact Sound Choice Insurance today.  Our team of expert agents is happy to help you find the best boat insurance coverage for your fishing boat, so you can feel more relaxed while you’re out on the water.

detailed view of a burst pipe

Insurance is something that everyone should have, especially when it comes to protecting your home. But, what happens when you are not sure what type of insurance you need? What if you are not even sure if a particular incident is covered by insurance?  Flood insurance is supposed to help individuals and businesses recover from a flooding event, but what happens if the damage is caused by a burst pipe instead? Today we will focus on one particular question: does flood insurance cover burst pipes?  Many people assume that their flood insurance policy will cover them for any type of water damage, but this is not always the case. Keep reading to learn more!

Flood Insurance Covers More Than Natural Disasters

Flooding is one of the most common natural disasters in the United States, and it can cause a great deal of damage to your home or business.  If you live in an area that’s prone to floods, you’re probably familiar with flood insurance. But did you know that flood insurance can also cover burst pipes and other water damage?

While flood insurance will typically cover any damage caused by rising waters, there are some limitations to what it will cover. For example, most policies won’t cover damage caused by sewer backups or sump pump failures. And, depending on your policy, you may have a deductible that you’ll need to pay before your coverage kicks in.

It’s important to read the fine print of your policy to know what is and isn’t covered. If you’re not sure, ask your insurance agent for clarification. In the end, it’s better to be safe than sorry when it comes to protecting your home.

Does Flood Insurance Cover Burst Pipes?

Most flood insurance policies will not cover water damage caused by a burst pipe. This is because burst pipes are typically considered to be a maintenance issue, and flood insurance is designed to cover unexpected events beyond the homeowner’s control. However, some flood insurance policies may provide limited coverage for water damage from a burst pipe. In addition, some insurance companies offer add-on policies that specifically cover water damage from burst pipes. These riders typically come with additional premiums and deductibles, so it is important to compare options carefully before purchasing flood insurance.

Burst pipes are oftentimes covered by a standard homeowner’s insurance policy. As a result, homeowners who experience flood damage from a burst pipe will need to file a claim with their homeowner’s insurance company. Homeowners who have both flood insurance and homeowner’s insurance should check with their insurance companies to see if they will be covered for flood damage from a burst pipe.

Circumstances When Flood Insurance Covers Burst Pipes

When a pipe bursts, the resulting flood can cause extensive damage to your home. If you have flood insurance, you may be covered for the cost of repairing the damage. However, flood insurance does not cover all types of flooding.

Flood insurance typically covers burst pipes that are the result of an external flood event. This means that if your home is flooded and the floodwater causes your pipes to burst, your flood insurance will likely cover the damage. In addition, if the pipe burst occurs as a result of ground movement (i.e. shifting soil or settling), then flood insurance may also provide coverage. 

However, flood insurance typically does not cover damage caused by internal flooding, such as a burst pipe due to lack of maintenance. As a result, it’s important to be aware of the potential risks of flooding and take steps to protect your home accordingly. If you live in an area at risk of flooding, consider purchasing both flood and homeowners insurance to help protect your home in the event of a flood.

burst copper pipes from the cold, closeup

What Causes a Burst Pipe?

A burst pipe is one of the most common and potentially damaging plumbing problems. While the exact cause of a burst pipe may vary, there are several factors that can contribute to this issue. One common cause is sudden changes in temperature. As water freezes, it expands, exerting pressure on the pipes. This can cause even well-constructed pipes to burst. 

Another potential cause is corrosion. Over time, the water flowing through the pipes can wear away at their surfaces, eventually leading to a rupture. Clogs can also put stress on pipes and lead to a burst. When a blockage forms, it can increase the water pressure inside the pipe, leading to a rupture. 

 One more common cause of burst pipes is improper installation. If a pipe is not installed correctly, it can become loose and shift over time. This movement can put stress on the pipe and eventually cause it to break. 

To avoid a burst pipe, it is important to have your plumbing regularly inspected and repaired as needed. By taking these preventive measures, you can help keep your home safe from this damaging problem.  Also make sure you have the correct coverages on your home to protect you in case of an emergency.

Sound Choice Insurance Can Help You Find Coverage

A burst pipe can cause significant damage and may not be covered by your standard flood insurance policy. That’s why it’s important to contact an insurance agent like our team at Sound Choice Insurance who can help you find the right flood or homeowners insurance coverage for your needs. We offer competitive rates and our team is here to help you understand your options so that you can make the best decision for your family. If you have questions about what is and isn’t covered by flood insurance or would like to know more about our services, please don’t hesitate to contact us. Our team of experts are here to help you understand your policy and make sure you have the coverage you need in case of a water emergency. 

Flooding can be dangerous and unexpected.  In fact, the results of a major flood can be catastrophic.  That’s why it is incredibly important to make sure that you know when floods are more likely to occur throughout the year.  Do floods have a certain “flood season” similar to hurricane season?  Keep reading to find out!

Flood Season Timing

Flood season is the time of year when there is an increased risk of flooding. Flood season can be a stressful time for those who live in areas prone to flooding. However, unlike other events like hurricane season, there are no specific dates for when flood season occurs.  A good rule of thumb is to assume it is flood season at any time.  After all, you never know when you are going to get a large amount of sudden rainfall.  Despite this, the most common time for flooding is from spring to fall.  Winter has less of a chance of flooding, but that does not mean it is not possible.

Be Ready for Flood Season

According to FEMA, a flood is categorized as “a general and temporary of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties.”

There are many ways to prepare for flood season, and floods in general.  This information is extremely important if you live in an area that experiences floods often.

First, check your flood insurance policy to make sure you are properly covered.  If you do not have flood insurance, it is always a great idea to get covered.  Flood insurance will cover many instances that regular homeowners insurance will not cover, so you will not find yourself in a financial jam if your home floods. 

It’s also a good idea to create an emergency kit with supplies like non-perishable food, water, and first-aid supplies. Finally, make sure you know your property’s flood zone so you can be aware of the risk of flooding. By taking these precautions, you can help minimize the impact of flooding if your area is affected.

There are a few things you can do to prepare for flood season. First, check your flood insurance policy to make sure you are properly covered. It’s also a good idea to create an emergency kit with supplies like non-perishable food, water, and first-aid supplies. Finally, make sure you know your property’s flood zone so you can be aware of the risk of flooding. 

Preparing for a Flood

Taking these steps can help you be prepared in the event of flooding. However, it’s also important to know what to do during flood season. If you live in an area that is prone to flooding, be sure to take extra precautions to keep your property safe. This can include things like moving valuables to higher ground and sandbagging your doors and windows.

If you live in an area that is prone to flooding, be sure to take extra precautions to keep your property safe. This can include things like moving valuables to higher ground and sandbagging your doors and windows. You should also have an evacuation plan in place so you know what to do if a flood does occur.

What does Flood Insurance Cover?

Flood insurance is a great coverage to have if you live in an area prone to flooding.  Since homeowners insurance often does not cover floods and water damage, this will make sure that you have help if something happens to your property.  In fact, if you live in a flood zone, you likely are required to have flood insurance regardless.

Some of the things that flood insurance covers include: 

  • Electrical and plumbing systems
  • Furnaces and water heaters
  • Kitchen appliances
  • Foundation
  • Fuel tanks
  • Curtains
  • Washers and dryers
  • Personal belongings (clothing, furniture, electronics, etc.)
  • Valuable items such as artwork
  • Carpeting

Essentially, the damage needs to be directly caused by flooding in order to be covered by flood insurance.

What to Do in a Flood

If a flood does occur, you will want to stay informed.  Keep updated on the news using the radio or television.  If necessary, evacuate quickly and safely to avoid being stranded.  Even if it has not started flooding in your specific area when you are told to evacuate, you need to keep alert.  A flash flood can occur at any moment, and you will want to move towards higher ground as you evacuate.  Flash floods occur more frequently in areas near streams, drainage channels, and other similar places.

Do not try to drive through floodwaters – just six inches of moving water can knock you down, and two feet of water can sweep your vehicle away. If you are stranded, call for help and wait for rescue workers to arrive.

You will also want to secure your home.  Make sure you disconnect any electrical appliances and utilities, and also bring outdoor furniture inside.  If you can, move your most important items to the top floor of the home.  Try to stay informed at all times.

After a Flood

When the floodwaters die down, it can still be dangerous in the next few days.  Keep a few things in mind when returning to your home after a flood.


  • Avoid any moving water
  • Do not try to enter damaged areas unless you are informed that it is safe to do so
  • Continue keeping informed on the latest news in case another flood occurs
  • Be careful going through areas that have been damaged as the structure of the area may have changed or may be weaker
  • Evaluate everything in your home to see if there was any damage done.  If there was, make sure you contact your flood insurance provider

Contact Sound Choice Insurance for Flood Insurance

Flood season can be a stressful time, but by taking some simple precautions you can help keep yourself and your property safe.  It is always important to have flood insurance to prevent financial hardship if a flood does damage your property.  If you are looking for flood insurance near the Morehead City, North Carolina area, contact us here at Sound Choice Insurance.  We are able to assist you in obtaining flood insurance for the lowest price – while still maintaining the highest value.  If you do need to submit an insurance claim after a flood has occurred in your home, we are able to help you through the process!  Contact us today to get started on obtaining flood insurance for your property.

If you live in an area prone to flooding, it is important to understand the risks of what could happen to your home if a flood does occur.  A flood can damage both the interior and exterior of your home, as well as any possessions that you have.  One question many homeowners ask is whether or not a flood can damage the actual foundation of their house.  After all, the foundation is what holds the house up.  So, keep reading to find out whether or not your home’s foundation can be damaged by flooding.

Flooding and Foundation Damage

One of the most serious risks of flooding is damage to your foundation. Floodwaters can erode the soil around your foundation, making it unstable and causing cracks. The other risks of flooding include mold growth, electrical hazards, and furniture damage.  When there is damage to your foundation, it lowers the entire structural integrity of your home.  The force of the flood water itself is strong enough to cause damage.

If you want to know how much damage was caused to your home, there are a few things to consider and look out for.  For example, you need to know how high the floodwaters got, how fast the water was flowing, and how long the home itself was exposed to the floodwater.

How to Check for Flood Damage

When checking your foundation for flood damage, you first will want to take a walk around the entire home.  As you do so, make sure you are checking to see if there are any signs of the home moving or shifting.  You may notice the house leaning, or you may find cracks in the foundation.  You will also want to check and see that the other structural connection points are still secure.  These points include metal bolts, clips, straps, and beams.

Those are not the only ways to detect flood damage to your home’s foundation.  You can also keep an eye out for some of the following:

  • Doors and windows become difficult to operate
  • Gaps around doors and windows
  • Tilting floors or sloping floors
  • Loose or cracked bricks
  • Crown molding is separating from wall
  • A backed up sewer line

Considering Flood Insurance

To prevent flood damage, it’s important to have flood insurance. Flood insurance will cover the cost of repairing your home and replacing your belongings. It’s also a good idea to take steps to protect your home from flood waters, such as elevating electrical components and removing valuables from flood-prone areas.  Keep an inventory of everything that you have in your home – this way, if something goes wrong, you will know exactly what is missing after the flood.

What is Flood Insurance?

Flood insurance is a type of insurance that covers the cost of repairing your home and replacing your belongings if they are damaged by floodwaters. Flood insurance is important because it can help you recover from a flood, even if your home is not in a floodplain. After all, most times a homeowners insurance policy will not cover any kind of flood damage.  To get flood insurance, you’ll need to purchase a separate policy from your homeowners insurance.  This can be through the same company of your homeowners insurance, or a different one. Flood insurance is available through the National Flood Insurance Program (NFIP).  You also can obtain flood insurance through a private insurance company.


Preventing Flood Damage

There are some steps you can take to prevent flood damage to your home. These include:

  • Elevating electrical components: This will help protect them from floodwaters.
  • Removing valuables from flood-prone areas: If possible, move them to a higher level in your home or store them somewhere outside of your home.
  • Installing flood vents: These vents can help reduce the pressure on your foundation and prevent floodwaters from entering your home.
  • Own sandbags: When you have sandbags, you can use them to prevent flood waters from getting in through doorways and windows.
  • Keep up with your drains: Make sure you are consistently checking your drains to make sure they are clean and up to date.  They will help flood water from getting into your home.

Contact Sound Choice Insurance

In conclusion, flooding can indeed cause damage to your foundation, and flood insurance will cover the cost of repairing this damage. While it is protected by flood insurance, it’s also important to take steps to prevent flood damage by protecting your home from floodwaters. 

Since flood insurance is the best way to protect your home from flood damage, you should be sure to purchase a policy if you live in a floodplain or other high-risk area.  If you are looking for flood insurance near Morehead City, North Carolina, contact us here at Sound Choice Insurance!  Our expert insurance agents are happy to help you find the best flood insurance coverage for your home.  Give us a call at your earliest convenience and we can get started on helping you find a proper flood insurance policy.  This way, if a flood does occur at your home, you will be covered.

When it comes to retaining walls, one of the most common questions is whether or not they can help keep water and flooding at bay. The answer isn’t always a simple one, as there are several factors that come into play.  In this article, we will discuss whether or not a retaining wall will be able to stop flooding, and what coverages you should have in place just in case this ever happens.

What is a Retaining Wall?

First, let’s start with the definition of a retaining wall.  A retaining wall protects from pressure of water, wind, and other natural forces of the planet. In other words, it’s a way to keep things in place – like dirt, rocks, and other materials. By holding the soil back, it helps prevent erosion on the property.  Retaining walls are often used in landscaping projects, but they can also be found holding up roads, bridges, and buildings.  There are several different types of retaining walls; these include gravity walls, piling walls, cantilever walls, and anchored walls.  Typically, a retaining wall is made of materials like stone, concrete, or wood.

So how do retaining walls work? Essentially, they use gravity to their advantage. By being built from the ground up, retaining walls can create a “barrier” between the property and any outside forces. For the most part, the weight of the soil or the wall itself is what stabilizes it enough to hold back unwanted forces and debris.

Can a Retaining Wall Fail?

Of course, retaining walls aren’t infallible. If there’s enough water pressure – or if the retaining wall itself is older or in bad shape – then it’s possible for flooding to occur. That’s why it’s always important to consult with a professional before building or repairing a retaining wall. A professional will have a better understanding of what to expect in terms of flooding depending on where you live in the area.  From there, they can help determine exactly what kind of retaining wall is needed for your property.

The main reason a retaining wall may fail is thanks to poor drainage from the wall.  The drainage acts as a funnel for the water, helping the water escape to prevent pressure from building.  Additionally, if the retaining wall footing is too shallow, it will not be able to hold up all of the weight of saturated soil.  If you have a gravity wall, you will want to pay extra attention to this.  Other reasons a retaining wall may fail include using poor materials to create the wall or if the dynamics of the slope of the wall suddenly changes.  Keep in mind, if you add too much unaccounted for weight on top of your retaining wall, that may also cause it to fail.

So, in short, yes – a retaining wall can stop water and flooding. But as with anything, there are no guarantees. It’s always best to be prepared for the worst case scenario.

Importance of Flood Insurance

If you live in an area that’s prone to flooding, then you know how important it is to have flood insurance. But what exactly does flood insurance cover? And do you need it if you have a retaining wall? 

First, let’s start with the basics. Flood insurance is a type of property insurance that protects against any damages that may occur on your property due to flooding and other water damages.   In other words, it can help cover the cost of repairs if your home or business is damaged by a flood. 

You may think that having homeowners insurance will cover everything that happens to your home.  However, that is not exactly the case, especially when it comes to flooding.  Most standard homeowner’s insurance policies don’t include coverage for flooding, so it’s important to talk to your insurance agent about your coverages, and what you may need to add. You may also be required to purchase flood insurance if you live in a high-risk area or if you have a mortgage from a federally regulated or insured lender. 

Does Flood Insurance Cover Retaining Walls?

As for retaining walls, they can be covered by flood insurance – but it depends on the situation. If your retaining wall is damaged by a flood, then your policy may help cover the cost of repairs. However, if your retaining wall fails and causes damage to your home or property, then it likely won’t be covered. 

The bottom line is that flood insurance is an important way to protect yourself and your property – but it’s not a catch-all solution. Make sure to talk to your insurer about what’s included in your policy, and always take precautions to prevent flooding in the first place. 

No one likes to think about their retaining wall failing – but it’s important to be prepared for the worst case scenario. This way, if something does happen, you are prepared.  So what should you do if your retaining wall does fail and water starts flooding into your home or property? 

What to do if Your Retaining Wall Fails

The first thing you should do is call your insurance company. If you have flood insurance, then they may be able to help cover the cost of repairs. Even if you don’t have flood insurance and you only have homeowners insurance, they may still be able to assist you in filing a claim. 

Next, you’ll need to start the cleanup process. This can be a daunting task, but there are resources available to help you. The Federal Emergency Management Agency (FEMA) has a website that provides information on what to do after a flood. 

And finally, once the immediate danger has passed, you’ll need to start thinking about repairs. If your retaining wall was damaged, then you’ll need to have it repaired or replaced. This is a job best left to the professionals, so make sure to consult with a retaining wall expert before proceeding. 

Contact Sound Choice Insurance for Flood Insurance

Dealing with a retaining wall failure can be difficult – but if you’re prepared, then you can get through it. With the help of your insurance company and some professional assistance, you can get your home or property back to normal in no time.

If you are looking for flood insurance to cover your property in the event of a retaining wall failure, contact us here at Sound Choice Insurance!  Located on the Crystal Coast of North Carolina, our expert agents are able to help you find the best flood insurance for your property at the most affordable rates.  Or, if you currently have flood insurance already, we can look through your policy for you and see if you need any further coverage.  Contact us today to get started.