Insurance for Everything Important to You.

local 910.329.4443
toll-free 888.324.0140

Be Prepared for Winter

As winter cranks up and temperatures fall, we've entered the frozen pipe season again. But you can dramatically reduce your chances of joining this unwelcome club by taking a few simple steps.

Why do pipes freeze?

Your pipes can freeze for any combination of reasons:

  • Quick drops in temperature
  • Poor insulation
  • Setting thermostats too low

How do I keep my pipes from freezing?

You can't keep the temperature from dropping, but you can protect your pipes.

  • If you haven't already done so, insulate any pipes in your crawl space and attic. Pipe freezing is especially an issue in warmer climates where pipes run through un-insulated or under-insulated spaces like these. Pay attention to pipes that are adjacent to exterior walls inside your structure as well. Both hot and cold lines should be insulated.
  • Seal leaks that let cold air into spaces where pipes are located. If it's cold enough, even a small opening could let in enough cold air to freeze a pipe.
  • Disconnect garden hoses and drain sprinkler systems to reduce the chance of freezing at those points.

What if a hard freeze is coming?

  • Let warm water trickle from faucets overnight, particularly on an exterior wall or at the end of a long stretch of unprotected pipe.
  • Open cabinet doors, especially near exterior walls, to allow heat to reach uninsulated pipes under sinks, etc. (Make sure harmful cleaners or other household chemicals are out of the reach of children.)
  • Don't turn your thermostat down below 65 degrees during extreme cold. Further drops in temperature could be enough to cause a problem, especially inside walls where pipes are located. Your heating bill may go up a little, but that's better than an expensive repair job if a pipe freezes and bursts.

My pipes froze ... now what?

Don't assume your pipes will automatically burst if they've frozen. No reason to panic yet.

  • Turn on your faucets and leave them on. As the frozen area starts to melt, water will start moving again and help more ice to melt.
  • Try to locate the frozen area of the pipe.
  • Apply heat to the frozen area if possible. You can use an electric heating pad, electric hair dryer, a portable space heater, or wrap the pipes in towels soaked in hot water. CAUTION: never use a blowtorch, kerosene or propane heater or other open flame that could create a fire hazard. Such a device could also boil the water, causing the pipe to explode.

If these steps don't do the trick, or if you can't find the frozen area or don't feel confident about performing these steps, call a licensed plumber.

What if a pipe bursts?

Turn the water off at the main shutoff valve and leave the faucets on. Call a licensed plumber immediately to repair the pipe. Call us to start the insurance claim if one is needed.

Hours of Operation:
Monday-Friday 8:30a - 5:00p

Specializing in:
  • NC Beach Homeowners Insurance
  • NC Coast Homeowners Insurance
  • Coastal Homeowners Insurance
  • Flood Insurance

Welcome To SFI Group Your Coastal Homeowner Insurance Specialist

Coastal Homeowner Insurance for Home, Car, Business and Flood Insurance!

We are a property and casualty insurance agency specializing in coastal insurance.  We are licensed in ten states (North Carolina, South Carolina, Virginia, Georgia, Florida, Alabama, Mississippi, Louisiana, Delaware and Texas).

SFI Group has proudly served our coastal homeowner insurance clients for more than twenty-five years. Our commitment is to provide the best service possible at all times. It is this principle that guides our every action.

We provide coastal homeowner insurance solutions for homeowners, condo owners, NFIP flood insurance, boat owners, automobile, and motorcycle. We also offer private flood insurance for CBRA flood zones. Please visit our personal lines and flood sections to learn more about these types of insurance. We specialize in Coastal Homeowners and Beach Homeowners insurance.

For our commercial clients, we offer coastal insurance solutions that help businesses run smoothly and recover quickly after loss occurs. From restaurants to condominium association master policies, SFI Group, Inc. works with you to make sure you are covered properly. At time of loss, we will make sure you get back up and running as quickly as possible. Please visit our commercial insurance section to see how we can help you with your insurance needs.

SFI Group is ready to help you with all of your property and liability insurance needs. Our staff has exceptional knowledge and experience with a wide range of coastal insurance issues.  We will work with you to create a coastal insurance program developed for your specific needs.


Coastal Homeowner Insurance

Flood insurance is not the only concern for coastal insurance agents! Call SFI Group, Inc today to see how we can help you mitigate your risk!

SFI Presentation on the effects of
Biggert Waters 2012




Client Testimonial

Hi Michelle,

I would like to share with you how pleased I am with Erin Magnuson. We are making changes to increase the coverage of my existing HO6 insurance policy to ensure I have the right flood coverage at a competitive price. In the process of making these changes, Erin had to research the existing flood insurance on my master policy, the insurance requirements from my bank and the process of how to cancel my current Federal policy which she notified me wouldn’t be much use since my unit is in a CBRA zone. Erin went the extra mile (or two – since I had numerous questions!). She provided timely and accurate answers and was always friendly and professional. In past experiences with my mortgage company and others, I have received conflicting information, depending upon who I spoke with. It has been a real pleasure to work with Erin knowing she took the extra effort to provide information that I could trust. She has truly exemplified excellent customer service.

Gary Rascoe

Contact Us today for more information or for a free, no obligation quote!

Contact Information

This website is not intended as a solicitation to sell insurance in those states where SFI Group, Inc is not properly licensed to sell insurance.