Russell And Schrader Insurance Agency
219 E Lawrence Ave, Charlotte, MI 48813
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219 E Lawrence Ave, Charlotte, MI 48813
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Charlotte residents.
Charlotte home insurance rates rose 9.3% in 2025. Learn about hurricane coverage, new construction discounts, and flood insurance for inland storm protection.
Most homeowners policies in Charlotte cover wind damage from hurricanes, but coverage can vary significantly. Some insurers exclude windstorm coverage, requiring you to purchase a separate windstorm policy through the North Carolina Insurance Underwriting Association. Additionally, flood damage from hurricanes is never covered by standard homeowners insurance—you need a separate flood insurance policy for that. Review your specific policy to understand exactly what's covered and what deductibles apply.
A named storm deductible is a special, higher deductible that applies when a storm is officially named by the National Hurricane Center. In North Carolina, these deductibles typically range from 1-10% of your home's insured value. For a $300,000 home with a 2% named storm deductible, you'd pay $6,000 out of pocket before your insurance coverage begins—much higher than the typical $1,000-$2,000 standard deductible. Check your policy to see what percentage applies to your home.
Yes, you should seriously consider it. Charlotte can receive 10+ inches of rain from inland hurricanes like Florence, causing flash flooding that affects areas well outside official flood zones. After Hurricane Helene, only 2% of North Carolina victims had flood insurance, leaving the other 98% to pay for flood damage out of pocket. Flood insurance is available to anyone regardless of flood zone designation, and policies outside high-risk zones are often surprisingly affordable—but you need to buy it before hurricane season since there's typically a 30-day waiting period.
Absolutely. Hurricane Hugo in 1989 hit Charlotte with 99 mph wind gusts, killed three people, knocked out power to 85% of households, and left the city essentially inaccessible for days. Hurricane Florence in 2018 dumped over 10 inches of rain on the city. Hurricane Helene in 2024 contributed to more than $59.6 billion in statewide damage. Distance from the coast doesn't eliminate hurricane risk—it just changes the type of damage from storm surge to wind damage and inland flooding.
Buy it now, before hurricane season and well before any storm is threatening the Carolinas. Flood insurance typically has a 30-day waiting period before coverage begins, so you can't wait until a hurricane is forming in the Atlantic. Additionally, some insurers restrict new policy sales or coverage changes when storms are actively threatening an area. Review your coverage in early spring, make any necessary changes or additions, and have everything in place before June 1 when Atlantic hurricane season officially begins.
More than half (53%) of residential insurance claims were denied after Hurricane Helene, often because the damage was flood-related and homeowners didn't have flood insurance. The storm caused over $59.6 billion in damage across North Carolina, but only 2% of victims had flood insurance to cover the most devastating type of damage. This highlights why understanding the difference between wind coverage (usually included in homeowners insurance) and flood coverage (requires a separate policy) is critical for Charlotte homeowners.
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