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.

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.

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.

When you live in or near a flood zone, there is a lot of terminology that you need to know in order to understand the risks of living there.  There are different flood zone types, as well as a base flood elevation.  Hearing so many different terms can feel overwhelming and confusing when you are just moving, but our agents here at Sound Choice Insurance are ready to help clear up any confusion you may have about base flood elevation.  Keep reading to learn more!

Base Flood Elevation Definition

Base flood elevation, or BFE, is the level to which floodwaters are expected to rise to during a base flood. The base flood is the flood that has a 1% chance of occurring in any given year. BFE regulations vary depending on where you live, but in general, if your property is located in a flood zone, you may be required to purchase flood insurance.

This base flood elevation line is determined by historical weather data and available science.  Since it is not a guarantee of how often this area will flood, it is important to have insurance to be prepared for it.  FEMA even has a portal where you can look up any address and see the corresponding flood map. 

Insurance Companies and Base Flood Elevation

As previously mentioned, if your home is located in a flood zone, you likely need to have flood insurance coverage on your property.  When an insurance company is determining your coverage, they will see where the lowest floor of your property is.  They look at this in level in relation to the base flood elevation.  Using this, they will determine how high of risk this area is to experience flood damage.  The farther above the base flood elevation, the cheaper the insurance coverage will be.

Ideally, you should have all levels of your home as well as your HVAC, plumbing, and electrical systems above the base flood elevation.  This is not just to retain the lowest insurance cost, but also solely for the safety of your property.

Risks of Property Below the BFE

There are several risks associated with having property that goes below the base flood elevation. Floodwaters can damage or destroy buildings and other structures, contaminate water supplies, and create health hazards. In addition, flooding can disrupt transportation and communication systems and cause widespread power outages. If you live in an area at risk for flooding, it’s important to be aware of the base flood elevation and take steps to protect your property.

Preparing for a Flood

If you live in a flood zone or even just a flood prone area, it is important to have a plan in place for when a flood occurs.  In addition to having flood insurance, you will want to take an inventory of everything that is in your home – including furniture, clothes, and appliances.  This way, if you need to submit an insurance claim, you know exactly what to include.  You will also want to make sure to store important documents (birth certificates, passports, medical records, etc.) in a space that will be away from any flooding.  These should also be easily accessible in order to grab them and go, if necessary.

There are other ways to protect your home in preparation for future flooding.  In addition to elevating all of your plumbing, HVAC, and electrical systems, you will also want to try to waterproof your basement as much as possible.  There are water alarms that are available for purchase, and you can have a sump pump installed as well.  Keeping your gutters and downspouts clear of debris helps prevent water from accumulating as quickly.

During inclement weather, you will want to have your vehicle ready to go, as well as any emergency supplies.  Have a plan if you need to evacuate, and know what to do if you cannot take your vehicle.  Know the difference between a flash flood watch and warning, as these are two very different instances.  Being prepared for a flood is the best thing you can do while living in a flood zone.

Contact Sound Choice Insurance Today

The base flood elevation is the level to which floodwaters are expected to rise during a base flood. BFE regulations vary depending on where you live, but in general, if your property is located in a flood zone, you may be required to purchase flood insurance. There are several risks associated with having property that goes below the base flood elevation, so it’s important to be aware of the BFE and take steps to protect your property.

Are you purchasing a home that is within a flood zone and needs flood insurance?  Contact Sound Choice Insurance on the Crystal Coast of North Carolina!  Being so close to the water, we completely understand the risks and implications of living in a flood zone.  Our expert agents are able to help you get exactly the coverage you need to keep your home and belongings protected if there is a flood.  Contact us today and we can help you get started on acquiring flood insurance!

Flood insurance is designed to cover a myriad of different flooding and water damage instances.  While you may believe that flood insurance is only helpful in areas next to the ocean, it is actually an important coverage to have no matter where you live.  Floods can happen in any home, for many different reasons.  For example, your home may flood due to a broken or burst pipe, or due to outside weather conditions.

It is important to understand what exactly your flood insurance covers, and when you may need to lean on a different policy for assistance.  Many individuals are curious to know whether or not flood insurance will take care of the cost of broken pipes in their home.  Sound Choice Insurance is here to answer all of your questions about whether or not your flood insurance will cover a broken pipe in your home.

What Flood Insurance Covers

Flooding can be a major problem for homeowners. Heavy rains and storms can cause flood waters to rise, damaging homes and leaving families displaced.  Luckily, flood insurance is a great way to make sure that your finances do not suffer in case of a flood.  Flood insurance typically has building coverage and contents coverage.  Building coverage will protect:

• Electrical or plumbing systems
• Furnaces and water heaters
• Detached garages
• Permanent carpeting 
• Refrigerators, cooking stoves, appliances such as dishwashers

Contents coverage, on the other hand, protects:

• Personal belongings (clothes, furniture, etc.)
• Washers and dryers
• Curtains
• Portable air conditioners
• Valuable items (artwork, etc.)

These items are covered in the event that there is a flood in the area, such as And while flood insurance can help cover some of the costs associated with flooding, it doesn’t always cover every situation.

What Flood Insurance Doesn’t Cover

As we mentioned, flood insurance typically covers damage from flooding caused by external sources, like heavy rains or storms. However, in order to cover these damages, the cause must come directly from a flood in the area.  This means that a multitude of situations are not covered by flood insurance.  One of these situations where flood insurance will not cover damages unfortunately does often include burst or broken pipes.  This is because many times, burst pipes are a result of the pipes freezing or another issue.  Some other situations that flood insurance does not cover include:

• Damage from moisture, mildew, and mold
• Temporary housing needed while property is being repaired or is uninhabitable
• Vehicles, including cars
• Currency, precious metals, and valuable papers (certificates, etc.)
• Property outside of the building (trees, septic systems, decks, fences, etc.)

There are several other times that your flood insurance will not cover the damage done to your home.  However, there are some exceptions that may arise when it comes to flood insurance covering certain situations – such as a broken or burst pipe.

Exceptions to the Flood Insurance Coverage

Keep in mind, just because flood insurance does not cover the cost of a broken pipe in your home, it does not mean that there is no coverage that will protect you in case of this kind of emergency.  In fact, your homeowners insurance is likely to be the policy that you will want to turn to in the event that you are facing damage due to a broken pipe.

However, there are instances where your flood insurance will actually cover the cost of your broken pipes.  This happens when the pipe breaks or bursts due to an external source, such as storm damages.  So, if a pipe in your home breaks due to the flooding of a storm outside, your flood insurance will cover it.  However, if the pipe breaks because of improper care or maintenance, you will have to turn to that homeowners insurance policy.

Sometimes you are able to add a separate sewer or drain backup policy to your flood insurance.  In this case, if your sewer pipes break or burst, your flood insurance may cover it.

What to do if Your Pipes Break

If your pipes break and cause flooding in your home, the first thing you should do is turn off the water at the main water shut-off valve. This will help prevent further damage. Then, you should call a plumber to fix the broken pipe. Once the pipe is fixed, you can start cleaning up the flood damage. If you have flood insurance, be sure to file a claim as soon as possible. 

If you don’t have flood insurance, you’ll likely have to pay for all of the repairs and cleanup yourself. You may be able to get some financial assistance from your municipality or from disaster relief organizations, but it’s not guaranteed. 

If a pipe bursts in your home, do not panic.  There are some steps to help prevent any further water damage to your home than necessary in this situation.

1. Turn off your water at the main line.  This way, no new water will go through your pipes.  After all, if there is a broken pipe, the new water will end up falling through the cracks anyways.
2. Next, call a plumber and see how soon you can get someone to your home to fix it.  You will know how long you will be without water and the plumber may be able to figure out exactly what happened when the pipe burst.
3. While waiting for the plumber, begin to clean the excess water as soon as possible.  When you do this, you are preventing more water damage from being done to your home.  You likely cannot avoid all water damage, but it is better to avoid some than none.
4. Turn up your heat in your home to warm up the pipes.  The pipes must be warmed slowly to prevent further damage.  You can also keep doors open to circulate warm air.

Contact Sound Choice Insurance For Flood Insurance

Are you looking for flood insurance near the Morehead City, North Carolina area?  If so, contact us here at Sound Choice Insurance.  Our expert agents will work directly with you in order to help you find the highest value flood insurance policy at the most reasonable price for your budget and lifestyle.  We can detail exactly what your policy will cover, and what is not covered under that policy.  Don’t worry – if there’s something extra you need covered, we will help you determine what insurance is the best fit in order to make sure you have coverage.  Contact us today to get started on making sure your home is prepared for any situation.

If you live in an AE flood zone, you may be at risk for flooding. This designation is made by the Federal Emergency Management Agency (FEMA) and is based on factors such as topography, rainfall, and historical flood data. Flooding can cause extensive damage to property, so it’s important to be prepared if you live in an AE flood zone.

In this article, we’ll answer some frequently asked questions about AE flood zones, including what these kinds of flood zones are and how they’re determined. We’ll also provide some tips on what you can do to protect your property if you live in an AE flood zone.

AE Flood Zones Defined

What is an AE flood zone? AE flood zones are areas that have been determined to be at risk for flooding. This designation is made by FEMA and is based on factors such as topography, rainfall, and historical flood data.

If you live in an AE flood zone, your property has a 1% annual chance of experiencing flooding, and a 26% chance of flooding over the course of 30 years.  There are certain regulations that take place when a home is built within an AE flood zone.  For example, the lowest level of the home must be above the base flood elevation.  If you have a basement or other space below this level, you cannot use it as a living space.   Additionally, all of your HVAC and electrical equipment must be above this zone.

How AE Flood Zones are Determined

How are AE flood zones determined? FEMA uses a variety of data sources to identify AE flood zones, including topographic maps, rainfall records, and historical flood information. These data are used to create models that help to predict the risk of flooding in an area.

AE flood zones can change over time, so it’s important to stay up-to-date on the latest information from FEMA. If you think your property may be located in an AE flood zone, you should contact FEMA to find out more about your risk and what you can do to protect your home or business.

Do You Need Flood Insurance in an AE Flood Zone?

Do I need flood insurance if I live in an AE flood zone? Yes, you are almost certainly required to purchase flood insurance if you live in an AE flood zone. This type of insurance helps to protect your home or business in the event of a flooding disaster. Flooding can cause extensive damage to property, so it’s important to be prepared financially if you live in an AE flood zone.  The price of your flood insurance policy will be dependent on how at risk your home is for flooding in the AE zone.

Protecting Your Property in an AE Flood Zone

How can I protect my property if I live in an AE flood zone? There are a number of things you can do to protect your property if you live in an AE flood zone. These include:

• Elevating your home or business: This can help to reduce the risk of flooding damage.
• Installing a sump pump: This can help to remove water from your basement or crawl space in the event of a flood.
• Making sure your gutters and downspouts are clear: This will help to prevent water from pooling around your foundation.
• Securing loose items: Items such as lawn furniture and trash cans should be secured so they don’t become floating debris in a flood.
• Have a plan: Knowing what to do if a flood is imminent is important.  This can preserve your home and keep your family as safe as possible.  Having a plan gives you a chance to react quickly and efficiently.
• Call the Water Services Department: The local water services department likely has a plan in order to prevent flooding in the area.  It is best to stay informed.

What are the risks of living in an AE flood zone? 

Flooding can cause extensive damage to property, so it’s important to be aware of the risks if you live in an AE flood zone. AE flood zones can change over time, so it’s important to stay up-to-date on the latest information from FEMA. If you think your property may be located in an AE flood zone, you should contact FEMA to find out more about your risk and what you can do to protect your home or business.

Sound Choice Insurance Can Help You With Flood Insurance

Do you live in or near an AE flood zone and are looking to acquire flood insurance?  Reach out to us here at Sound Choice Insurance on the Crystal Coast of North Carolina!  Our expert agents are able to help you determine exactly what coverage you will need to help keep your home protected in an AE flood zone.    When you work with Sound Choice Insurance, you can rest assured knowing that your home and belongings will be taken care of if something goes wrong.  Contact us today to get started!

There’s a lot to think about when it comes to insurance. One of the big decisions you’ll have to make is whether or not to keep all of your policies with one carrier. With so many different providers available to choose from, it can be overwhelming to decide if one is more suitable than the rest.  There are a few things to consider before making a decision.  Luckily, the experienced agents at Sound Choice Insurance in Morehead City, North Carolina have the knowledge to help you decide whether or not you will benefit from using one provider.  Let’s take a look at the pros and cons of each option.

Benefits of Using One Insurance Provider

One of the benefits of having all your insurance with one carrier is the convenience of it. It can be much easier to keep track of one bill and make your payments on time when everything is in one place. If you have multiple policies with different carriers, it can be confusing to decipher which bills you have paid, and what they are for.  Because of this, you run the risk of missing a payment or getting confused about which company you need to contact for what.  However, when you use one insurance provider, the premiums for all of your policies are in one convenient place.

Another advantage of using one insurance provider is that you might be able to get a discount. Many companies offer discounts for customers who have multiple policies with them. So if you’re looking to save some money, this could be a good option for you.  When you work with an insurance agency like Sound Choice Insurance, we are able to make sure you get the best deal on your insurance policies.

On the other hand, there are a few things to consider before deciding to keep all your insurance with one company. Keep reading to find out some of the drawbacks of utilizing only one insurance provider.

Drawbacks of Using One Insurance Provider

There are a few drawbacks to having all your insurance with one company. One is that you might not be able to get the best deal on each individual policy. It’s always worth shopping around and comparing rates before making a decision.  This way, you are more confident that the decision you are making on your insurance is the best one for your family.

Another thing to consider is the level of customer service you’ll receive. If you have multiple policies with different carriers, you’ll be able to compare and contrast their levels of service. This can be helpful in choosing the right provider for you.  When you do this, you may actually decide if one insurance provider is more appropriate for you.  After all, if you cannot stand to deal with the customer service of an insurance provider, it may ruin the entire experience for you.  On the other hand, if you work with an insurance agency like Sound Choice Insurance, you will not need to deal with the customer service side of an insurance company nearly as often.  Sound Choice is able to help with many of your claims and other services with your insurance company so you do not have to sit on hold for hours.

One final thing to keep in mind is that if you have a problem with one of your policies, it can be more difficult to resolve if all your insurance is with that company. If you have multiple carriers, you can always switch to another provider if you’re not happy with the service you’re receiving.

Deciding if One Insurance Provider is Best

So, how do you decide if having all your insurance with one carrier is right for you? There are a few things to consider. First, think about your needs and what’s most important to you. If convenience is a top priority, then keeping all your policies in one place might be the best option for you.

Another thing to think about is whether or not you’re looking to save money. If so, you might be able to get a discount by keeping all your insurance with one company. However, be sure to compare rates before making a decision.  The discount may not be more affordable if you find cheaper rates across multiple providers.

Finally, consider the level of customer service you’re looking for. If you have multiple policies with different carriers, you’ll be able to compare and contrast their levels of service. This can be helpful in choosing the right provider for you.

Sound Choice Insurance Can Help

In conclusion, whether or not you need all of your insurance at one carrier is up to you. There are both advantages and disadvantages to keeping all your policies with one company. Consider your needs and what’s most important to you when making a decision.

However, if you need help deciding and are located in the Morehead City, North Carolina area, consider contacting Sound Choice Insurance!  We are a local insurance agency with years of experience.  Our expert insurance agents can help you decide what option is best for you and your family’s needs.  Give us a call at your earliest convenience and we can set up an appointment for you to speak with one of our agents in detail, or, fill out our contact form.

Life insurance and AD&D are both types of insurance that can provide financial protection for your loved ones in the event of your death. However, there are some key differences between these two types of policies that you should be aware of before making a decision about which one is right for you.  

It may be confusing to figure out the difference between the two, but luckily with the help of the agents at Sound Choice Insurance, you’ll be an expert on what the difference is in no time.  Our agents are able to help you decipher which is a better option for you and your family, and then assist you in finding the best coverage.  Keep reading to find out more about what exactly the difference is between standard life insurance and AD&D insurance.

What is Life Insurance?

Life insurance is a type of insurance that provides financial protection in the event of your death. The death benefit from a life insurance policy can be used by your loved ones to cover expenses like funeral costs, outstanding debts, or ongoing living expenses.

Life insurance policies are typically either term life insurance, universal life, or whole life insurance. Term life insurance provides coverage for a specific period of time, typically 10-20 years. Universal and Whole life insurance provide coverage for your entire life.  While the death benefit of term life insurance cannot be accessed until the insured on the policy passes away, whole life and universal life policies sometimes have what is referred to as cash value.  Cash value is a portion of your policy that will accrue interest and grow over time.  This money may be accessed in case of an emergency before the insured’s passing.  This comes in the form of withdrawing funds from your cash value, taking a loan on the policy, or completely surrendering your policy for cash.  These options all come with specific stipulations in order to access the money.

How to tell apart different life insurance coverages

It may feel confusing to tell what the differences are between your standard life insurance coverages.  Here are some key factors to look for to understand generally how they differ.

Term Life Insurance: This type of insurance, as we stated, has a maturity date – or ending of the policy – after a certain number of years.  Typically, these policies will last 10, 20, or 30 years.  It has a set death benefit amount, and premiums are usually rather low.

Whole Life Insurance: Whole life insurance provides coverage for a longer period of time than term life policies.  This is considered a permanent life insurance coverage, meaning that it will cover you for your whole life – as long as you continue paying the premiums.  Whole life generally accrues cash value over time.

Universal Life Insurance: Universal life gives a large amount of flexibility compared to the other options.  Universal life is also a permanent coverage with the option of accruing cash value.  However, with universal life, you can oftentimes change the death benefit amount as needed.  These coverages, thanks to the flexibility, can be a bit more complicated to understand. 

What is AD&D Insurance?

 AD&D insurance is a type of insurance that provides benefits in the event of your accidental death or dismemberment. This means that if you die as a result of an accident, your beneficiaries will receive a financial payout.

AD&D policies can be either standalone policies or riders on existing life insurance policies – such as your health insurance or an already existing life insurance policy. Standalone AD&D policies are typically less expensive than life insurance policies, but they only provide coverage for accidental death or dismemberment.

These policies may also include various limitations, so it is important to make sure you understand all the parts of the terms and conditions.  An insurance agent, such as the ones here at Sound Choice Insurance, will be able to help you read and understand the fine print of the policy.

What is the Difference Between Life Insurance and AD&D Insurance?

The key differences between life and AD&D insurance are:

• Life insurance policies provide a death benefit that can be used to help your loved ones cover expenses like funeral costs, outstanding debts, or ongoing living expenses. AD&D policies, on the other hand, provide benefits for accidental death or dismemberment.  These accidents may include motor accidents, falls, drownings, and other things of the sort.  The benefit may also pay out in the event of loss of a limb, eyesight, or hearing.
• Life insurance policies are typically either term life insurance, universal life insurance or whole life insurance. Term life insurance provides coverage for a specific period of time, typically 10-20 years. Whole life and universal life insurances provide coverage for your entire life. AD&D policies are usually standalone policies or policy riders that only provide coverage for accidental death or dismemberment.
• Life insurance premiums are typically based on factors like your age, health, and life expectancy. AD&D premiums are typically based on factors like your occupation and hobbies.

Which Insurance Option is Better?

Which type of policy is right for you will depend on a variety of factors, including your needs and budget. If you are looking for financial protection in the event of your death, then a life insurance policy is likely the better choice. However, if you are concerned about accidental death or dismemberment, then an AD&D policy may be a better option.

Life insurance and AD&D are two types of insurance that provide different benefits. Life insurance policies provide a death benefit that can be used to help your loved ones cover expenses like funeral costs, outstanding debts, or ongoing living expenses. AD&D policies, on the other hand, provide benefits for accidental death or dismemberment. Which type of policy is right for you will depend on a variety of factors, including your needs and budget. If you are looking for financial protection in the event of your death, then a life insurance policy is likely the better choice. However, if you are concerned about accidental death or dismemberment, then an AD&D policy may be a better option.

Contact Sound Choice Insurance Today

Are you searching for life insurance or AD&D insurance near the Morehead City, North Carolina area?  If so, contact us here at Sound Choice Insurance!  Whether you know exactly which coverage you are looking for or are not sure which would best suit the needs of you and your family, we can help.  Our agents will listen to exactly what you are thinking of and then help you decide the best policy size and type.  To get in touch with us, fill out our contact form or give us a call at your earliest convenience.