do I have to spend my homeowner insurance check on my home?
I recently received a check from my homeowner insurance for roof repair.
Well I use to do roofing and I don't see where it really need to be repaired.
My question is, can I spend this check on something Else like bills?
I realize that if it doesn't go to the roof I can't reclaim it later if there is more damage.
Thanks every one.
They are not going to come check on you. But I wonder why a claim was filed if no damage was done.
Filed under Home Insurance by on Mar 21st, 2010. Comment. 
Home ownerÂ’s insurance companies usually take into consideration the location of the home before they offer a potential policyholder a quote. North Carolina home ownerÂ’s insurance companies are no different.
Since North Carolina is a high-risk state during the hurricane season each year, having a home ownerÂ’s insurance policy is crucial in protecting your home, its contents, and your valuables. Some areas in North Carolina are at a lesser risk for experiencing hurricane-related damage than other areas; therefore, these areas usually do not pay as high a premium for home ownerÂ’s insurance as do other areas in the state. For example, the average home ownerÂ’s insurance premium for Charlotte residents is $450-$500. Charlotte is a good bit inland and not as prone to hard hits from hurricanes. On the other hand, Wilmington, which is right by the water, costs its residents an average of $700 in home ownerÂ’s insurance premiums. At the same time, Asheville, Greensboro, and Raleigh residents will pay lower home ownerÂ’s insurance premiums than Fayetteville residents.
If you live in a North Carolina city that is close to the water, your home owner’s insurance premiums will be higher, but you can take steps to keep them as low as possible – given your location – as well as steps to better protect and safeguard your home and belongings against such weather damage. A few ideas include installing stronger windows, durable roofs, and ridding your yard of nearby trees that could be blown into your house.
Not only will your North Carolina home ownerÂ’s insurance quote vary from location to location, but it will also vary from company to company. Whether you have narrowed your choice down to one insurance company or are still considering two or three insurance companies, talk with each one about the steps you can take to make your home as safe as possible, as well as get the best coverage at the most affordable price.
To get free quotes and learn more about insurance please visit the following recommended sites.
North Carolina Home Owner's Insurance
Online homeowners insurance quotes for any situation
What you need to know about car insurance before you buy
Filed under Home Insurance by on Feb 13th, 2010. Comment.