Ask SAM: Do I need earthquake insurance? | Ask SAM

Q: In light of the recent earthquake in Sparta and its aftershocks, is it true that my homeowner’s insurance does not cover earthquake damages?

Answer: This is probably true, depending on your insurance policy.

According to a statement from North Carolina Commissioner of Insurance Mike Cause, “earthquake damage is generally not covered under standard homeowner insurance policies.” “However, homeowners can talk to their agents and easily add earthquake endorsement to their policies. I also encourage consumers to have alternative coverage in both home and auto homeowner insurance policies.”

He also urged consumers to talk to their agents about obtaining flood insurance coverage policies through the National Flood Insurance Program, since flood damage is not covered by standard homeowner policies. Cozy said that for most families, their home is their biggest investment, and it is important to protect your investment by making sure you have adequate insurance coverage, and reviewing your coverage with your agent at least annually.

Q: Back in July I hired a contractor to put a corner sink with a 15 ”plastic pipe. The city stopped this and said we are using the wrong type of pipe. I had trouble getting answers about what to do next.

Answer: In July, the city received an inquiry from one of your neighbors about the drainage work that was done on the right of the road and whether it would adversely affect neighboring properties, said Lance Covington, deputy director of field operations at City Corporation. Their records indicated that they did not have permits to work at that location, and the contractor they spoke with on the site told them that neither he nor his client (you) had obtained a permit to work on the highway.

“Based on this, we informed them of the purpose of obtaining the permit and the process for obtaining it,” Covington said. “We also noticed that the plastic pipe that was installed was not in compliance with city standards and this has been brought to the attention of the contractor.”

During the site visit, they found that part of the existing drainage system within the right of way also contained some incompatible plastic piping components, likely by the city that annexed that area. They told the contractor that the Field Operations department would remove and replace incompatible components, which would simplify connecting the new pipe to the existing drainage system. They also tell your contractor that if they don’t want to wait for the city to complete the revisions, they can provide information on pipe size, materials, slopes, and joint elevation so that the contractor can complete their work in advance of city efforts.

Covington said that as of this week, one of the field operations crews has managed to complete a different scheduled project and has been sent to that area to work on this replacement. At the moment, he said, they have not yet received a permit request from you or your contractor, or the information request that the city has provided. You should talk to your contractor about this to make sure things are ready once the city work is completed there.

.

What Are The Main Benefits Of Comparing Car Insurance Quotes Online

LOS ANGELES, CA / ACCESSWIRE / June 24, 2020, / Compare-autoinsurance.Org has launched a new blog post that presents the main benefits of comparing multiple car insurance quotes. For more info and free online quotes, please visit https://compare-autoinsurance.Org/the-advantages-of-comparing-prices-with-car-insurance-quotes-online/ The modern society has numerous technological advantages. One important advantage is the speed at which information is sent and received. With the help of the internet, the shopping habits of many persons have drastically changed. The car insurance industry hasn't remained untouched by these changes. On the internet, drivers can compare insurance prices and find out which sellers have the best offers. View photos The advantages of comparing online car insurance quotes are the following: Online quotes can be obtained from anywhere and at any time. Unlike physical insurance agencies, websites don't have a specific schedule and they are available at any time. Drivers that have busy working schedules, can compare quotes from anywhere and at any time, even at midnight. Multiple choices. Almost all insurance providers, no matter if they are well-known brands or just local insurers, have an online presence. Online quotes will allow policyholders the chance to discover multiple insurance companies and check their prices. Drivers are no longer required to get quotes from just a few known insurance companies. Also, local and regional insurers can provide lower insurance rates for the same services. Accurate insurance estimates. Online quotes can only be accurate if the customers provide accurate and real info about their car models and driving history. Lying about past driving incidents can make the price estimates to be lower, but when dealing with an insurance company lying to them is useless. Usually, insurance companies will do research about a potential customer before granting him coverage. Online quotes can be sorted easily. Although drivers are recommended to not choose a policy just based on its price, drivers can easily sort quotes by insurance price. Using brokerage websites will allow drivers to get quotes from multiple insurers, thus making the comparison faster and easier. For additional info, money-saving tips, and free car insurance quotes, visit https://compare-autoinsurance.Org/ Compare-autoinsurance.Org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc. "Online quotes can easily help drivers obtain better car insurance deals. All they have to do is to complete an online form with accurate and real info, then compare prices", said Russell Rabichev, Marketing Director of Internet Marketing Company. CONTACT: Company Name: Internet Marketing CompanyPerson for contact Name: Gurgu CPhone Number: (818) 359-3898Email: [email protected]: https://compare-autoinsurance.Org/ SOURCE: Compare-autoinsurance.Org View source version on accesswire.Com:https://www.Accesswire.Com/595055/What-Are-The-Main-Benefits-Of-Comparing-Car-Insurance-Quotes-Online View photos