For all our friends, both old and new, 1st Aide Restoration is very proud to be an annual sponsor for the Children’s Home Society in any way possible. Here it comes again!

Come visit our tent, grab some refreshments and put your dancing shoes on!!!


May 21-June 25

Thursday Evenings, 5:30- 8:30 p.m.

Commerce Place

Located between Friendly Ave. and Bellemeade St.

Tickets are $7.00 and can be purchased at the gate.

2015 Concert Lineup
May 21 Sleeping Booty
May 28 The Embers
June 4 The Entertainers
June 11 Too Much Sylvia
June 18 Eric & the Chilltones
June 25 Liquid Pleasure

Children’s Home Society – Beach Music in the Park

HP Beach Music Logo


Back for another month!  Those who know us are familiar with our close connection to both the Children’s Home Society of NC and Beach Music!  Check out September’s schedule and information below!  SEE YOU THERE!!!

September 4-September 25

Ilderton Chrysler, Dodge, Jeep 

701 S. Main St. 

High Point, NC  27260

*Free parking is available at the Zaki Rug building and the Atrium.  Both lots are on S. Main Street next to the beach music venue at Ilderton Dodge.

Thursday Evenings, 5:30- 8:30 p.m.

Tickets are $7.00 and can be purchased at the gate

No pets or coolers are allowed inside the gate



September 4 The Embers featuring Craig Woolard
September 11 JayBird and Soul Central
September 18 Band of Oz
September 25 Special Occasion

CHILDREN’S HOME SOCIETY – Beach Music in the Park

ok folks – Back again by popular demand!  Our VERY FAVORITE VOLUNTEER/SPONSOR EVENT starts TONIGHT and runs through the end of June!  Please bring a lawn chair and support one of the most genuine and heart felt causes in North Carolina!  Dancing, Food and Drink – what better way to spend a Thursday night under the stars and support the children!


So you have purchased your home – you want to protect it.  With or without a mortgage, you need insurance.  Many folks have used the same agent used by their parents or neighbors.  Find someone you trust and who will take the time to explain the details and will answer your questions.  Many qualifications go into insurance policies – these days, even your credit rating and past claim history is used to determine if you are a good risk.  History shows car accidents happen, but when it comes to your home, the prevalent thought is your home will be better maintained than your vehicle.  Thus the premiums are somewhat lower for homeowner insurance than car insurance.  BUT, as natural disasters seem to be increasing, Insurance Companies have found themselves in precarious positions when covering areas with hurricane and tornado activity.  As a small example, your insurance company will want to know how far you live from a fire station, whether you have a wood or brick structure, whether you live in a flood plain, any existing alarm systems, etc.

After meeting with your agent, many companies request an on-site evaluation prior to writing the policy.  Do not be alarmed.  This is becoming common practice.  Once your policy is written and delivered to you, READ IT IN ITS ENTIRETY!  Although legal translations may be required for many of us “laymen,” you need to know what’s covered and what’s NOT!  Start with the declarations page.  This page should show the coverage period, premiums, exclusions, insured names, covered addresses, deductibles and insurance limits.

First, determine what type policy you have, i.e. Named Perils vs. All Risk Policy   Named perils cover only what’s named or listed in the policy.  All risk policies cover everything not specifically excluded.

Review the exclusions:  You don’t want to be caught and find out too late something has been excluded from your policy.  For example and unfortunately, North Carolina has a cap of $5,000.00 for mold remediation and many policies have a total mold exclusion.

Review your conditions:  Many policies will dictate that certain actions must be taken such as protecting your property after damage has occurred (mitigating the loss such as turning off the water when you have a leaky pipe…) and filing a proof of loss in a timely manner.

Review your endorsements:  These can modify your policy in some manner which can affect your coverage, such as sewage backup.  Endorsements are used to add, delete or change property listed in the policy.

ACV vs. RCV:  What is this?  ACV refers to Actual Cash Value.  RCV refers to Replacement Cost Value.  An ACV policy may pay only 50% or less for your kitchen table purchased 10 years ago, based upon depreciation calculations.  If you have a RCV policy, however, your insurance company should pay based upon the cost to replace the table.  If you purchased the table 10 years ago for $500.00 and it would cost $800.00 for a comparable model today, that is what you should receive.  Please understand that the premiums will be higher for the RCV policy than for the ACV policy.  As a general rule, if you can afford the RCV policy, take it.  You do not want to be surprised to find out that all your possessions have been depreciated (like a car…)

Limits:  This is what is says.  In the case of a massive fire, rebuilding may be more costly than totaling out your home for the coverage limit.  Not surprisingly, rebuilding is actually much more expensive than new construction because of the additional work of demolition, existing material matches, etc.

Deductibles:  If you are reading this article, no doubt you are aware of deductibles.  Varying in amounts from $250 up, you are responsible for paying this amount out of your own pocket to whoever completes your job.  The insurance company will cover the loss LESS the deductible.  Many contractors would like to receive your deductible as a sign of good faith toward the beginning of your job.  Otherwise, this item tends to be overlooked and BAM, you owe it at the end to the contractor.  The Contractor WILL request your deductible to be paid in full as this is part of the cost of the job.

Preparation:  Take pictures of your home and the valuables inside such as furniture, paintings, china, silver – anything you might miss.  We’ve all heard what to do:  store important documents (such as your policy and appraisal documentation) in a safe place such as a safety deposit box.  You may also consider a scheduled endorsement for items of unusually high value.

Maintain your home!  Many insurance companies expect a certain amount of normal household maintenance – gutter cleaning, brick pointing, wood/vinyl/driveway maintenance, etc.  For example, do not expect any insurance company adjuster to supply you with a brand new roof for a small amount of hail damage if your shingles are aged out.

Now you’re ready…sort of.  Next week, we’ll discuss what to do when a problem happens – fire, water, storm, mold, trauma, etc.


We’d like to try something new – As the world of insurance claims becomes more convoluted, frustrating and downright annoying, we’d like to provide some simple, yet effective information which everyone can use.  We’ve always said we are a “one-stop shop” for handling any type of disaster which come your way – now we’re going to put our actions into solid practice – giving you tips, suggestions and a little more information that might be beneficial to you.  We’re planning to blog at least once a week about step 1 through step 30 (or more) of an insurance claim – what to do prior to a disaster, what to do during and after a disaster, how to survive your property loss and what’s even better – we share some of our “insider” information and references!

Next week we’ll discuss getting your act together – BEFORE a problem!