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Does Your 2022 Speeding Ticket Still Impact NC Insurance in 2026? 🚦

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Bill Layne Insurance 📞 336-835-1993 Home > Blog > NC Ticket Impact 2022 Ticket in 2026? NC Insurance Points Explained 👤 By Bill Layne 📅 Updated: January 15, 2026 ⚡ The Direct Answer No. In North Carolina, insurance points for moving violations generally impact your premiums for three years (the "experience period"). By 2026, a speeding ticket convicted in 2022 has typically aged off your record for rating purposes, meaning your rates should return to normal...
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Why Your Old Roof Leak Isn't Covered by NC Insurance 🏠

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Bill Layne Insurance 📞 (336) 835-1993 Home > Blog > NC Insurance > Roof Leak Coverage Does NC home insurance cover roof leaks caused by old age or wear and tear? 🛡️ NC Licensed Agency • Last Updated: May 15, 2026 BL By Bill Layne Owner, Bill Layne Insurance (Elkin, NC) The Short Answer No. Standard North Carolina home insurance policies (HO-3) do not cover roof leaks caused solely by old age, wear and tear, or lack of maintenance. Insurance is designed to cover "sudden and accidental" damage from perils like wind, hail, or falling trees, not t...
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Location: North Carolina, USA
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