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Week 24

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Today's Tasks

Buying & Selling

The Newcomer’s Guide to Hurricane Insurance: Southport, Oak Island, & St. James

Monday Start Strong

Facebook → Pro Tip LinkedIn → Video Script

Facebook Pro Tip ⏱ 60 sec ›

PRO TIP: Before you close on a coastal Brunswick County home, request the CLUE Report and check the flood zone map. Both are free. Both could change your offer.

The CLUE Report is a 5-year insurance claim history on the property. It will show if the home took water during Hurricane Florence or the 2024 rain events — information the seller isn't required to volunteer.

The NC FRIS Map shows the exact flood zone for any address:
→ Zone X — low risk, flood insurance often optional
→ Zone AE — moderate to high risk, lender will likely require coverage
→ Zone VE — highest risk, common on Oak Island oceanfront, highest premiums

Three more things worth knowing before you buy:

→ Fortified features pay off — hurricane straps, impact windows, and reinforced garage doors qualify for meaningful insurance discounts
→ Add sewer/drain backup coverage — the high water table in Southport and Leland makes this worth the small premium
→ Take a pre-move video of the empty home including roofline and foundation, upload to the cloud before the moving truck arrives

Coastal living is worth it. Just go in with eyes open.

Full guide at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS&v=tip

#CoastalInsuranceProTip #BrunswickCountyNC #NCRealEstate #HurricanePrep #CoastalLiving #HomeInsurance #Advice4Homeownership

LinkedIn Video Script ⏱ 60 sec ›

Open Article →

Tuesday Local Day

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Local Market Stat

Share a neighborhood number — active listings, days on market, price reductions.

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BrandStudio

Record a 60-second branded market take.

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Wednesday Mid-Week Push

Facebook → Video Script LinkedIn → Quiz

Facebook Video Script ⏱ 60 sec ›

Open Article →

LinkedIn Quiz ⏱ 60 sec ›

QUICK QUIZ: A buyer closes on a home in Oak Island, NC. Three weeks later a named storm forms in the Atlantic. They call their agent to add flood insurance. What's the problem?

A) Flood insurance is automatic in coastal NC — no action needed
B) Their homeowners policy already covers flooding
C) Flood insurance has a 30-day waiting period — it won't be active in time
D) Only oceanfront homes need flood insurance

↓ Drop your answer below ↓

The answer is C.

Flood insurance through the NFIP takes 30 days to go into effect. A call to your agent with a storm already forming is too late. This is one of the most common and costly mistakes coastal buyers make — and one of the easiest to avoid.

Get all three layers in place before closing: homeowners, wind/beach plan, and flood. Don't wait on any of them.

Full breakdown at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS&v=quiz

#CoastalInsuranceQuiz #BrunswickCountyNC #NCRealEstate #HurricanePrep #FloodInsurance #OakIslandNC #Advice4Homeownership

Thursday Video + Authority

Facebook → Quiz LinkedIn → Quick Take

Facebook Quiz ⏱ 60 sec ›

QUICK QUIZ: A buyer closes on a home in Oak Island, NC. Three weeks later a named storm forms in the Atlantic. They call their agent to add flood insurance. What's the problem?

↓ Drop your answer below ↓

The answer is C.

Get all three layers in place before closing: homeowners, wind/beach plan, and flood. Don't wait on any of them.

Full breakdown at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS&v=quiz

#CoastalInsuranceQuiz #BrunswickCountyNC #NCRealEstate #HurricanePrep #FloodInsurance #OakIslandNC #Advice4Homeownership

LinkedIn Quick Take ⏱ 60 sec ›

Moving to the Brunswick County coast? Standard homeowners insurance won't cover the two things most likely to damage your home.

Here's what coastal coverage actually requires:

🏠 LAYER 1 — HOMEOWNERS POLICY (HO-3)
→ Covers fire, theft, liability
→ Does NOT cover wind, hail, or flooding in coastal NC

🌀 LAYER 2 — BEACH PLAN (NCIUA)
→ Separate policy through the NC Insurance Underwriting Association
→ Specifically covers hurricane-force wind damage
→ Aim for "Named Storm" deductible — not "Wind/Hail"

💧 LAYER 3 — FLOOD INSURANCE
→ Completely separate from everything else
→ Covers rising water and storm surge
→ Takes 30 days to go into effect — don't wait for a storm
→ Required even if you're miles from the water

The deductible reality:
→ Coastal NC uses percentage-based deductibles — not flat amounts
→ On a $650,000 home: a 2% deductible = $13,000 out of pocket
→ A 5% deductible = $32,500

Three policies. One coast. Know what you're buying before you close.

Full guide at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS

#BrunswickCountyNC #CoastalInsurance #HurricaneInsurance #NCRealEstate #CoastalLiving #HomeInsurance #Advice4Homeownership

Friday Quiz & Engage

Facebook → Quick Take LinkedIn → Pro Tip

Facebook Quick Take ⏱ 60 sec ›

Moving to the Brunswick County coast? Standard homeowners insurance won't cover the two things most likely to damage your home.

Here's what coastal coverage actually requires:

🏠 LAYER 1 — HOMEOWNERS POLICY (HO-3)
→ Covers fire, theft, liability
→ Does NOT cover wind, hail, or flooding in coastal NC

The deductible reality:
→ Coastal NC uses percentage-based deductibles — not flat amounts
→ On a $650,000 home: a 2% deductible = $13,000 out of pocket
→ A 5% deductible = $32,500

Three policies. One coast. Know what you're buying before you close.

Full guide at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS

#BrunswickCountyNC #CoastalInsurance #HurricaneInsurance #NCRealEstate #CoastalLiving #HomeInsurance #Advice4Homeownership

LinkedIn Pro Tip ⏱ 60 sec ›

PRO TIP: Before you close on a coastal Brunswick County home, request the CLUE Report and check the flood zone map. Both are free. Both could change your offer.

Three more things worth knowing before you buy:

Coastal living is worth it. Just go in with eyes open.

Full guide at the link → https://advice4homeownership.com/the-newcomers-guide-to-hurricane-insurance-southport-oak-island-st-james/?agent_id=STUDIO4AGENTS&v=tip

#CoastalInsuranceProTip #BrunswickCountyNC #NCRealEstate #HurricanePrep #CoastalLiving #HomeInsurance #Advice4Homeownership

Saturday Pinterest Studio

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Rest day — no post required.

Reply to comments, send a personal DM, or plan next week.

Sunday Rest

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Rest day — no post required.

Reply to comments, send a personal DM, or plan next week.

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The Newcomer’s Guide to Hurricane Insurance: Southport, Oak Island, & St. James

The Newcomer’s Guide to Hurricane Insurance: Southport, Oak Island, & St. James

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