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Tom Wiecek is your local Dave Ramsey ELP Endorsed Insurance ProviderTom's Blog

"That's Not Covered" are the Last Words You want to Hear. That's Why We Want to Help You Understand How You Are Protected and Not Protected. This Resource Can Help You Make Informed Insurance Buying Decisions So YOu Can Get the RIGHT Insurance Protection for Your Needs.

Tom Wiecek, President

How to Insure Your Vacant Home

Leaving your home for an extended period of time may void your N.C. homeowners insurance coverage so you must be aware of the difference between your home being vacant versus unoccupied.  According to the National Association of Insurance Commissioners, your home may be considered “vacant” if unoccupied for 60 days or more.  The reason insurance companies have this type of stipulation/guideline  directly correlates to the higher increase in risk for a catastrophic loss to take place when nobody is there to observe or mitigate the claim(s) once it happens.  If your home is vacant, will you know how to insure your vacant home? The Difference Between Vacant and Unoccupied  There are some defining factors when [...]

How to Insure Your Vacant Home2018-12-03T09:59:30+00:00

Defining a Consent to Rate Letter

You may have received a letter from your insurance company if you are a North Carolina Homeowners Insurance policyholder and if you did, do you know what it means? Many homeowners are receiving this letter and you need to understand why you received it and what it means to you, as a N.C. homeowner. Keep in mind that this letter is a consent to rate letter and is hugely foretelling of what’s to come. Have you received a consent to rate letter? Hold On Before You Sign on the Dotted Line   Consent to rate letters are being sent out by insurance companies in large numbers to N.C. policyholders, but before you sign on the [...]

Defining a Consent to Rate Letter2018-11-26T09:36:07+00:00

Staying Safe for the Holidays

The holiday season is upon us once again and that typically means people are busier and traveling more. In fact, holidays are amongst the busiest travel times of the year because of either visits with friends and family or indulging in that much anticipated vacation. With an increase in the hustle and bustle of the holiday season, it is important to be aware of staying safe for the holidays. Some Key Safety Measures to Follow During the Holiday Season   Map your travel route and plan appropriately- Before you hit the road, make sure you have the directions available and anticipate the possibility of heavy traffic. Remember, many people are traveling during the holidays and [...]

Staying Safe for the Holidays2018-11-26T09:19:42+00:00

The Importance of Proper Home and Auto Insurance Protection

You may hear a lot about homeowners and auto insurance, but most likely the main focus is on rates with little to no mention of the protection you are getting.  First of all, let me take a moment to THANK YOU for your business and trust in my team for allowing us to protect what is most important to you.  I would like to share with you the importance of proper home and auto insurance protection because without it, you could be exposed to many horrific situations that I have personally witnessed too many times. Being in the business for over 24 years, I have seen many people lose personal property, priceless photographs, and family [...]

The Importance of Proper Home and Auto Insurance Protection2018-11-13T10:25:26+00:00

Insurance Coverage Options for Your Specific Trucking Needs

If you are in the trucking or transportation industry, you know the importance of having insurance that offers much needed protection for so many various situations. The damages caused by trucking accidents can be exorbitant so having the right type of insurance coverage is something that must be routinely evaluated to ensure you have the insurance coverage options for your specific trucking needs. If not, you could be faced with a devastatingly problematic situation if you are involved in a catastrophic accident only to find there are coverage gaps. Perhaps you are in the trucking industry and have been faced with some financial challenges in the last year. Because of the financial strain, you decide [...]

Insurance Coverage Options for Your Specific Trucking Needs2018-10-27T11:39:14+00:00

Safety Tips to Avoid a Deer Collision

The season is upon us once again; deer season that is. Summer has come to a close and the days have become shorter and darker, which means deer come out more frequently, resulting in a spike in auto accidents. You may have noticed signs along the roadways indicating deer may be crossing, but do you know what to do if you encounter a deer along the roadway? Knowing safety tips to avoid a deer collision can reduce the likelihood of being involved in an auto accident with a deer. This Scenario Happens Frequently The sun is setting as you drive home from work along a heavily wooded highway and as you come around a curve, [...]

Safety Tips to Avoid a Deer Collision2018-10-22T17:33:24+00:00

Beware of Roofing Scams

Your roof is a crucial component of your home and if you have ever experienced a leaking roof, you know you must act quickly before the damages worsen, but if you are a homeowner that has been a victim of storm damages or just simply need a new roof, don’t fall victim to certain roofing scams that are becoming more prevalent. Before you open your door to the next salesman, beware of roofing scams that could be financially devastating and could leave your roof and wallet worse than before. Scammers Can Create Their Own Hurricane of Damages This type of scenario happens all the time. A hurricane hits a specified area producing catastrophic damages to [...]

Beware of Roofing Scams2018-10-14T15:22:05+00:00

7 Losses Usually Not Covered by Homeowners Insurance

When searching for homes to purchase, you most likely took the time to determine where you wanted to live, along with the amenities that each home offered, until you found one that fit your criteria.  However, when it came to choosing your homeowners insurance coverage, did you take the time to find the type of homeowners insurance coverage that fit your specific needs pertaining to your home and budget?  Not all homeowners policies are built the same.  If fact, there are 7 losses usually not covered by homeowners insurance, of which you may not be aware. A typical N.C. homeowners insurance policy has many policy provisions, conditions, and exclusions of which you need to be [...]

7 Losses Usually Not Covered by Homeowners Insurance2018-10-09T17:44:46+00:00

4 Important Homeowners Insurance Coverages You May Not Have

One thing you must know when you are looking for N.C. homeowners insurance coverage is that not all homeowners insurance policies are built the same. While many advertisers claim to have the cheapest price around, those cheaper policies may also leave you with the most coverage gaps in your coverage, potentially leaving you responsible for out of pocket expenses. Before you sign on the dotted line for your homeowners insurance, make sure you know 4 important homeowners insurance coverages you may not have, but should consider. Utility Line Insurance Coverage- If you experience a water/sewer pipe break that results in damages to your home, your typical N.C. homeowners insurance policy would exclude coverage for this; [...]

4 Important Homeowners Insurance Coverages You May Not Have2018-10-02T16:10:38+00:00

To Keep Your Insurance Premiums Affordable, You Need to Know How to Control Your Losses

As a business owner, you know adequate protection must be in place in order to protect everything you have worked so hard to build. Business insurance is a must for that protection, but in order to keep your insurance premiums affordable, you need to know how to control your losses. Keep in mind that insurance is designed for catastrophic loss protection for your business and not for maintenance protection. Frequency Predicts Future Loss Potential  Suppose you are a small business owner and have had several slip and falls on your property, resulting in injuries that prompted claims. As an outcome, a red flag may be acknowledged by your insurer, which could result in higher premiums [...]

To Keep Your Insurance Premiums Affordable, You Need to Know How to Control Your Losses2018-09-25T09:07:44+00:00