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Thread summary:

Moving to North Carolina: flood insurance, buying a home, hurricane safety, snow tire chains, apartments.

 
Old 09-17-2006, 08:52 AM
 
5 posts, read 13,185 times
Reputation: 13

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We are thinking of relocating down there to be closer to my family - although we may have to wait a few years. My fiance's mother's boyfriend lived down there for a few months about 20 years ago and now thinks he is the expert and has told my fiance some things that make him not want to move. So I thought I'd ask some people who actually currently live there and would really know.

First, snow. Is it illegal to drive when it snows down there? I asked my brothers (one lives in Raleigh, the other Greensboro) and they said it's foolish if you don't know what you're doing driving in snow and ice but definitely not illegal. But his mom's boyfriend has him absolutely convinced that you can't even leave your house.

Second is flood insurance. Again, my fiance's mom's boyfriend has him convinced that it is required by NC law that you have flood insurance, even on a second story apartment. And that it costs $1500 a month! That's more than both my brothers combined pay for their apartments. I say that's not true and if it were, NC would be an empty state because no one could afford to live there. Mom's boyfriend convinced him it's absolutely true.

Please give me some proof that I can use to change fiance's mind - at least about these things.

Thanks.
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Old 09-17-2006, 12:25 PM
 
Location: Union County, NC
2,115 posts, read 6,797,973 times
Reputation: 1140
No, it's not illegal to drive out when it's snowing ... anywhere. I don't suppose it would be illegal unless a state of emergency has been called.

And flood insurance is only required if you're in a flood zone. However, I recently asked the question was it a good thing to have, just in case, and I think several responses indicated that most consider it unnecessary in low-risk areas.

Even so, most estimates I got on a 2600 sq. ft home was under $500 annually. Of course, the premimum will vary depending upon the type of dwelling, location, size, coverage amounts and deductibles. Insurance is one of those things that is anything but one-size-fits-all.

Good luck convincing your fiancee. He needs to know that he should do some independent research before drawing conclusions.

SL

Last edited by saralee; 09-17-2006 at 12:26 PM.. Reason: grammar
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Old 09-17-2006, 12:35 PM
 
1,531 posts, read 7,158,396 times
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Driving in snow isn't illegal but I think it should be for some people! The biggest issues we have is people who own SUVs, particularly if they're from the north, get all smug and think that they can handle anything. However they forget we get very little snow---most of what we get is ICE! And let me tell you...in ice, that SUV is FAR more dangerous to drive in than a compact sedan could ever be! So keep that in mind.

Flood insurance is something you should have if you're in a flood zone. But personally, I think anyone who buys a home in a flood zone should have their head examined anyways! There are plenty of places to live on uplands...why on earth does anyone need to buy a house 200 feet or so from an unstable stream?!? If someone does something that silly, they almost deserve to get flooded, to be honest.
Just do your research on the topography of a neighborhood before buying a home in it.
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Old 09-17-2006, 10:12 PM
 
Location: Up above the world so high!
45,245 posts, read 95,972,297 times
Reputation: 40118
Quote:
Originally Posted by Megan0876 View Post
We are thinking of relocating down there to be closer to my family - although we may have to wait a few years. My fiance's mother's boyfriend lived down there for a few months about 20 years ago and now thinks he is the expert and has told my fiance some things that make him not want to move. So I thought I'd ask some people who actually currently live there and would really know.

First, snow. Is it illegal to drive when it snows down there? I asked my brothers (one lives in Raleigh, the other Greensboro) and they said it's foolish if you don't know what you're doing driving in snow and ice but definitely not illegal. But his mom's boyfriend has him absolutely convinced that you can't even leave your house.

Second is flood insurance. Again, my fiance's mom's boyfriend has him convinced that it is required by NC law that you have flood insurance, even on a second story apartment. And that it costs $1500 a month! That's more than both my brothers combined pay for their apartments. I say that's not true and if it were, NC would be an empty state because no one could afford to live there. Mom's boyfriend convinced him it's absolutely true.

Please give me some proof that I can use to change fiance's mind - at least about these things.

Thanks.

Wow. WOW. Where in the heck does your fiance think NC is anyway - Minnasota or something? Geez, this is the SOUTH for pete's sake. If we see snow on the ground 3 times a year that's a lot. And as the first poster said, unless there is a state of emergency or something it is not illegal to drive in the stuff. How ignorant can a person be (not you, the mother's boyfriend). And why would anyone need flood insurance if they don't live in a flood plane or at the beach (in case of hurricane flooding). Why would your boyfriend take the word on someone who was once here 20 years ago over your two brothers who actually LIVE here?
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Old 09-17-2006, 10:15 PM
 
2,290 posts, read 2,219,076 times
Reputation: 317
Quote:
Originally Posted by Megan0876 View Post
We are thinking of relocating down there to be closer to my family - although we may have to wait a few years. My fiance's mother's boyfriend lived down there for a few months about 20 years ago and now thinks he is the expert and has told my fiance some things that make him not want to move. So I thought I'd ask some people who actually currently live there and would really know.

First, snow. Is it illegal to drive when it snows down there? I asked my brothers (one lives in Raleigh, the other Greensboro) and they said it's foolish if you don't know what you're doing driving in snow and ice but definitely not illegal. But his mom's boyfriend has him absolutely convinced that you can't even leave your house.

Second is flood insurance. Again, my fiance's mom's boyfriend has him convinced that it is required by NC law that you have flood insurance, even on a second story apartment. And that it costs $1500 a month! That's more than both my brothers combined pay for their apartments. I say that's not true and if it were, NC would be an empty state because no one could afford to live there. Mom's boyfriend convinced him it's absolutely true.

Please give me some proof that I can use to change fiance's mind - at least about these things.

Thanks.

It would be great if it was illegal to drive in snow, we could get a snow day and stay home from work. I loved those snow days when I was in school.
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Old 09-17-2006, 11:33 PM
 
Location: Blue Ridge Mtns of NC
5,661 posts, read 26,033,062 times
Reputation: 3852
I don't know what the policy is in NC, but in Maryland if the county declared a "Snow Emergency," it was illegal to be out on those area roads unless you had snow, studded tires or chains.
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Old 09-18-2006, 07:08 AM
 
Location: Up above the world so high!
45,245 posts, read 95,972,297 times
Reputation: 40118
Quote:
Originally Posted by mm34b View Post
I don't know what the policy is in NC, but in Maryland if the county declared a "Snow Emergency," it was illegal to be out on those area roads unless you had snow, studded tires or chains.

We don't have anything like that here. I'm not even sure where you would find studded tires or chains in Charlotte LOL. We get more ice than snow (1 or 2 ice storms the last few years) and no one can drive on that no matter what kind of tires they have.
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