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‘Storm-free’ doesn’t necessarily mean lower homeowners insurance rates

‘Storm-free’ doesn’t necessarily mean lower homeowners insurance rates

‘Storm-free’ doesn’t necessarily mean lower homeowners insurance rates
News from Charlotte Observer:

Beaufort County has avoided a major hurricane for a long time, but homeowners still need to check their insurance policies each year. Here are some things to know:

• Homeowner policies usually have a waiting period between the time you apply for a policy and the date it goes into effect. National flood insurance has a waiting period of up to 30 days, and the state wind pool has a 15-day waiting period. Also, insurers stop writing new policies when a hurricane approaches.

• Do a home inventory. Make a list and take photos or video. It can be as simple as a list of things you own or as detailed as hiring a company to record everything. But that list and copies of insurance policies should be with you and sent to a friend or relative inland in case of a storm.

• Store important documents, including your inventory and insurance policies, where they will stay safe and dry. There are password-protected databases in which people can store some information online……………. continues on Charlotte Observer
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