C&D Insurance

Summer = Wedding Season

Michael Savage — Sat, 27 Aug 2011 03:14:48 +0000

C&D Insurance writes insurance with a large number of major insurance carriers. This enables us to offer our clients, especially young couples just starting out, many options which will provide just the right fit for their insurance needs. Whether it’s a policy for that new starter home, a single auto policy combining their autos, life or health insurance to protect their family, or financial planning to guide them through their new life together, C&D Insurance has agents ready to sit down and discuss any and all of these choices on a level that is easy to comprehend – even for an “insurance novice.” So, as your making your nuptial plans this year, don’t forget to add C&D Insurance to the list, and give us a call. We’re here to help you begin on the right track.

C&D Insurance

Michael Savage — Thu, 14 Jul 2011 14:24:35 +0000

On July 6, 1957, C & D Insurance Service, Inc. opened their doors for business in downtown Angier. Fifty years later, August 20, 2007, we moved into our current location at 53 South Broad Street East, Angier, NC. Originally a Ford Motor Dealership, our building houses the only manually operated, counter-weight elevator system in the area, used to transport the model T’s from the show room to the service floor.. Because our office was once an antiques auction house, we have found many treasures within the walls that we now proudly display. Come visit us — we would love for you to stop by for an insurance quote and we’ll also give you a tour back through some of the history of Angier.

Friendly Staff

Michael Savage — Fri, 15 Apr 2011 18:02:53 +0000

Our founders opened the doors for business in 1957 and thirty four years later, they passed the baton on to a trusted employee, Jim Burgin. Since 1989, Jim has worked hard to assemble a great team of Insurance agents and support staff and expand the reach of the business as far east as the coast, as far west as the Great Smoky Mountains, and even into South Carolina.

We use the latest real time rating software to provide you with the best coverage for your risks at the lowest possible price— but we still do business the old fashioned way, treating you (the reason we are here) like a member of our family.

After binding your coverage, we are here for you to provide claims assistance and other insurance related services in a swift and efficient manner.

We hope you will find this site helpful and we look forward to meeting you in person or speaking with you on the phone.

Saving Tips: Washing Machine

Michael Savage — Wed, 23 Mar 2011 20:26:24 +0000

Most of us give very little thought to maintaining the work horses in our homes known as the washing machine and clothes dryer, (except for the mandatory lint screen cleaning), but did you know that:

Washing machine-related failures are one of the top 10 leading sources of residential water losses.
A review of 525 washing machine claims revealed that more than half of all claims occurred when the supply hose failed.
About one quarter of the supply hose failures occurred within the first five years, about half within eight years and more than three quarters of the supply hose failures occurred within the first 10 years.
Monthly inspections of the hot and cold washing machine supply lines are recommended.
Replace supply hoses every five years, even if there is no obvious deterioration or wear. Some signs of deterioration may occur from the inside out and may not be visible until it is too late. When replacing washing machine supply hoses, always choose a reinforced steel braided hose over the traditional un-reinforced rubber hose. (1)
Shut off your hoses when not in use. You can either shut them off manually each time, or install an automatic washing machine shutoff valve, such as the Watts Intelliflow.
Never leave your washer on when you are asleep or out of the house. (2)

The photo accompanying this article is of a twenty year old washing machine hose I discovered in a rental home. As an out-of-town landlord, I was overjoyed that I caught it before having a huge water damage claim, but just the same, I’m also glad that I replaced my four year old rubber washer hoses in my North Carolina home with reinforced steel braided hoses about a year ago. If you are still not convinced to check and/or replace your washer hoses, ask Dale Floyd in our Commercial Lines department about her personal eight week ordeal of dealing with contractors making repairs from a washing machine “flood” in her home.

Retail

Michael Savage — Wed, 23 Mar 2011 20:22:11 +0000

Experience. In the insurance business, experience is important and at C&D, we’ve got a lot of experience writing insurance for retailers.

Do you know if your current policy covers your window glass, business signage and lost business due to a covered insurance loss? Let us review your policy at no cost to you and we’ll not only explain what coverages you have, we’ll also give you a quote from one or more of the fine companies we represent, so you can compare pricing, limits and overall cost yourself.

Call, click or stop by and let us help you review your insurance costs while maintaining or increasing your coverage limits.

Water Damage

Michael Savage — Wed, 23 Mar 2011 20:17:21 +0000

Has someone ever called you and said “My house flooded!”? It happens to us all the time. In some cases our client has experienced flooding from an external source, but unless they have purchased a separate Flood Insurance policy, water damage may not be covered. Flooding from an external source, whether it’s due to a river, creek or stream leaving its banks, a stopped up storm sewer on the street, a broken fire hydrant or an insufficient gutter and foundation drainage system is excluded from virtually all homeowner’s, renter’s and landlord dwelling policies. Remember, damage caused by rising water, is only covered by a separate flood policy. Also, ask us about the difference between a Standard policy and a Preferred Risk policy.

Sometimes our client has experienced “sewage backup” due to a clog within the limits of the home’s plumbing system or due to a problem in the public sewer system at the street. In this case, we hope our client followed our advice to purchase “sewage backup” coverage as an endorsement to their homeowner’s, renter’s or landlord policy.

Usually we discover that our clients have experienced what insurance companies call simple “water damage” due to a failed fresh water pipe or failed appliance (washing machine or dishwasher). Although the repair of faulty appliances or old plumbing most likely will not be covered, the damage caused by this loss would be covered by their homeowner’s policy, but subject to the policy deductible.

Call, click or stop by and let us help you review what perils (specific risks or causes of loss covered by an insurance policy, such as fire, windstorm, flood, or theft) are covered by your current policies and what changes or additions would be prudent for you and your home.

Auto Insurance

Michael Savage — Wed, 23 Mar 2011 14:00:30 +0000

In the Fifties, when C&D Insurance first began, auto insurance was not the same as it is today! Car insurance polices actually evolved from maritime insurance hundreds of years earlier. The policies were to cover any losses and damages that might occur to property that was transported by ship. When the automobile was invented, these marine policies acted as a blueprint for car insurance. The first car insurance policy offered only liability coverage to protect any property that might be damaged by a motor vehicle. This first policy was written by an English insurance company back in 1895. In the U.S., the first liability car insurance policy was not written until 1898 and the first policy holder was a Dr. Truman J. Martin. It wasn’t until 1927 that Massachusetts became the first state in the U.S. to pass the first mandatory insurance law.

Fire!

Michael Savage — Wed, 17 Nov 2010 21:48:56 +0000

Since the discovery of fire, man has been trying to tame it. Our forefathers fought structure fires with bucket brigades and human and horse pulled pumps. In today’s society we stress fire prevention and detection: Battery powered smoke detectors are available for free in some communities, new homes are required to have multiple detectors linked so that they all blare a warning if any one of them detects smoke or heat, modern burglar alarms now have integrated smoke and heat detectors and residential fire suppression systems (sprinklers) are becoming more commonplace in new homes.

Unfortunately we don’t all live in new homes and not all prevention and detection systems are fail-proof. That’s why you need the best home and fire insurance your money can buy, backed by a reputable insurance carrier. Call, click or stop by and let us help you decide what coverage, limit and carrier is right for you and your home.