Of the nearly 10,000 fires each year, 4,100 are structure fires and 5,500 are outside property/unclassified damage. Almost all of the $13 million in losses each year are from the structure fires. That's an average of $31,000 and change per structure damaged &emdash; these aren't little fires.

Please visit the following link for important information regarding damages caused by Hurricane Florence:

Click here to view the FAQs

Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the strength of a container, expanding water can cause pipes to break.

Pipes that freeze most frequently are:

• Pipes that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, and water sprinkler lines.
• Water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets.
• Pipes that run against exterior walls that have little or no insulation.

How can you tell if you should have flood insurance in North Carolina?

The following Charlotte Observer article has some good information regarding flood insurance. Our homeowners policies do not include flood insurance, so your agent will be able to help you determine if you need this coverage.

When a loss occurs, it's not unusual to have questions about what is covered, why certain things aren't covered, and how a company makes decisions during the claims process.

We've compiled a number of frequently asked questions and their answers, provided by the NC Department of Insurance, to help give some insights into the more common concerns the typical homeowner may have after a disaster.

Click here to view the FAQs