Is Your Roof Covered After A Hail Storm?
Is Your Roof Covered After a Hail Storm in Eastern North Carolina? Living in Eastern North Carolina offers a unique coastal lifestyle, from the historic streets of Wilmington to the bustling waterfronts of Jacksonville and Morehead City. However, this beautiful region is no stranger to severe weather. While hurricanes often steal the headlines, the threat […]
What Is An Insurance Supplement?
In short, an insurance supplement is an an estimate requesting more money from the insurance company. While a common occurrence in the claims process, many policy holders are unaware of their right to supplement the claim for additional funds. When the claim is underpaid, it needs to be corrected, There can be several reasons for […]
Understanding The Supplement Process
Now that you have an understanding of what a supplement is, it is important to get a grasp on the process. Many homeowners mistakenly believe that once a claim is settled and closed; it can not be reopen. In addition, insurance companies and adjusters aren’t always quick to advise your rights or how to file […]
Common Insurance Terms
Insurance terminology can be hard to follow if you are unaware what all those acronyms mean. To the average homeowner, insurance paperwork is difficult to understand due to a number of reasons – from never filing a claim before to high emotion after a devastating loss. Below is a list of some common insurance terms […]
Answers to Common Claims Questions
Filing an insurance claim? You have questions, and we’ve got the answers you need! Claims Q&A Q: Does my homeowner’s deductible apply on every claim? A: Yes. The deductible applies on a per claim basis. If multiple claims occur in a year, a deductible applies each time a separate claim takes place. Q: […]
How Do I Read My Policy?
Navigating Your Homeowners Insurance Policy: An Eastern North Carolina Guide For homeowners in Eastern North Carolina, understanding your insurance policy is not just a recommendation—it’s a necessity. The unique geographical and climatic characteristics of our region, from the bustling port city of Wilmington to the military hub of Jacksonville and the charming coastal town of […]
The Conflict of Interest in Insurance Claims
There’s a reason why doctors aren’t allowed to prescribe medications to their loved ones and lawyers can’t represent clients in cases that they have a personal stake in- it’s called the conflict of interest. When faced with a choice between what’s best for the individual and what’s best for the organization, the conflict of interest […]
National Insurance Awareness Day: June 28th
National Insurance Awareness Day was created as a way to encourage people to go over their insurance policies on this day. Insurance is something most homeowners don’t think much about until they need it. With hurricane season fast approaching, it is important to go over your policy and make sure you, as a homeowner, are […]
Roofing Guide: Common Codes and Requirements
Code requirements change periodically as building codes are updated. As a homeowner, it’s important to familiarize yourself with which codes apply to your property. It is always wise to check local requirements and modifications to the model codes with the authority having jurisdiction if observed conditions or practices differ from manufacturer or industry recommendations. For […]