Your Homeowners Insurance May Not Cover

water-damage-basement-flooding-sump-pump-failure-Fayetteville-NCWe all know disasters can strike our homes or businesses at any time whether it be a busted water pipe, a grease fire or tornado damage.  We all do what we can to prevent damage to our homes but sometimes accidents, weather and part failures are out of our control; so we rely on insurance to help protect us and our property.  Sometimes though, we assume that because we have an insurance policy, any damage to our house will be covered.  But, as a lot of homeowners found out after Hurricane Matthew, your homeowners insurance doesn’t cover everything.  Here are a few things that often surprise policy owners that are not covered by most standard homeowners insurance policies:

  1. Flood–separate flood policies are needed to protect you from flood damage.  Not everyone is eligible for flood policies though.
  2. Sewage back up–special homeowner endorsements can be purchased and added to your policy.  Rates for this endorsement are usually low and  well worth the cost if you ever sustain this type of damage to your home.
  3. Additional structures–homeowner policies give a percentage of the overall coverage for your home to cover other structures on your property.  If you’ve built a big, new detached garage or work building, make sure you increase the other structure coverage on your policy.  You wouldn’t want to see it suffer storm damage and only have coverage for half its value.
  4. Business inventory–if you are self-employed and store inventory at your home, your homeowners policy most likely does not cover these items if damaged from a fire in your home.
  5. Mold–most policies either have a limited coverage amount for mold or excludes mold damage altogether.

PHC Restoration doesn’t want you to be caught off guard thinking you have appropriate coverage for a loss.  We encourage you to read over your policies and talk to your insurance agent about any questions you may have.  They are there to help you.  Ask now before you are left with repair bills you thought you had coverage for.

BUSINESS HOURS CONTACT:

Office (7:30am-5pm): (919) 834-6523 (Raleigh)

(910) 814-2502 (Lillington)

What our clients are saying...

The word you use as a company motto is “compassion”.  Every one of you certainly live up to that motto every single day!  We felt it the first day we met Josh and every single day thereafter.  Thank you for a wonderful journey as you helped us put our lives and our home back together.  We are eternally grateful!

T. Robinson, Pittsboro

This letter is to let you all know what a fantastic job you all did on rebuilding and restoring our home.  Me, my son and wife congratulate you all for a perfect job.  Each and every employee who had anything to do with our house was so professional, polite and did everything we asked them to.  Job well done.  Thanks to you all, we can enjoy our new home for the rest of our lives.

Robbie L., Raleigh

PHC has demonstrated the skill, good judgement, and polite service.  Through their employees who are all trained to do their jobs very well with full dedication to customer satisfaction.  Thanks to all!

J. Oborne, Sanford

My assistant project manager was very helpful with decisions and kept us informed on the progress of repairs and changes.  Everyone that worked at our house was always courteous and helpful and did a superior job.  You have a great staff and we would recommend you to anyone.  We are enjoying our home.

G. Godwin, Benson

This is the second job PHC has done for us.  We are extremely pleased with all components of their work.  We are recommending PHC to ALL of our friends.

S. McFadyen, Vass

Given the situation we were dealing with, PHC came right in that evening and started clean-up.  PHC walked us through every aspect of our repairs/replacement.  They were amazing and made the entire process seamless.  Overall, we are thrilled with the final results.  I never imagined it would have turned out this beautiful.  PHC made this initial terrible experience and experience we will never forget.

S. Jones, Raleigh

Everyone was so friendly, courteous and knowledgeable.  Quality of work exceeded our expectations.  We have already highly recommended you guys to people we know.  Thanks for everything!

K. Vorbeck, Raleigh

I’m in the building trades and feel qualified to say that your crew was better than excellent in all phases.  By the end it felt more like a labor of love than a job contract.

J. Byrum, Chapel Hill

I could not ask for a better crew.  Everyone was professional and courteous.  My home even looks better than before!  I will recommend you to everyone I meet.

P. Smith, Sanford

Many thanks for the super fine job your crew did on my flood damage. You evaluated the damage and reacted quickly. Keep up the good work!

D. Lane, Fuquay-Varina

Thank you for taking care of our home repair in a timely manner. You were a pleasure to work with.

Mary, Fuquay Varina

Your company came to our rescue so rapidly when the accident occurred, which was a great relief. Your work has added value and pride to our home!

Judi and Geoffrey, Cary

Thank you for everything that you have done. I never imagined it would turn out so beautiful! Your crews are very courteous and kind. They’ve done an outstanding job.

Debbie, Spring Lake

We gratefully applaud your crews. Their work was top notch. They were polite, eager to answer questions, clean in their work and showed respect for our home. They work well together as a team.

R. Arcus, Durham

Just a note to thank you so very much for the great job you did in cleaning our church after it had been vandalized recently. Thank you so much for the prompt attention to our Church also! It meant a great deal to our Church Family to be able to have our regular Sunday services in the Sanctuary that day.

Christian Chapel Church

Your crew demonstrated professionalism throughout the restoration, were experienced and did a wonderful job in every aspect. The renovation turned out more beautiful than I could have imagined and I know we will enjoy it for many years to come.

F. Hinkson, Goldsboro

I am very happy to be back in my house. Thank you for making it possible within a reasonable amount of time. You certainly are to be commended for your professionalism.

Jo Anne, Kenly

On a scale of 1 to 10 your company is an 11! Everyone at our church is satisfied – not one complaint – all cheers! Everything was done as requested, on time, and above our expectations.

R. Strother, Franklinton

We are very pleased with the work done by Professional Home Care. Your thoroughness and consideration relieved us of many concerns and returned our home to its original state with a minimal amount of time and confusion.

J. Erdman, Pinehurst

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