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Navigating the NC Residential Property Disclosure (RPOEDS): Pitfalls for Coastal Sellers

A detailed guide to North Carolina’s Residential Property Disclosure Statement, focusing on specific challenges for sellers in coastal areas like Wilmington and the surrounding beaches. The Weight of the RPOEDS The Residential Property and Owners’ Association Disclosure Statement (RPOEDS) is more than just paperwork; it’s a legal attestation regarding the state of your home. In … Continued

Pros & Cons of Selling a Fire Damaged House As-Is in North Carolina

Why Many NC Homeowners Sell As-Is After a fire, the pressure to rebuild can feel overwhelming. Contractors, inspectors, insurance adjusters, and restoration companies all work on their own timelines—not yours. In North Carolina, construction backlogs are common, especially along the coast where hurricanes already strain building crews. Selling as-is eliminates: For many, selling is less … Continued

How Insurance Works When Selling a Fire Damaged House in North Carolina

Understanding North Carolina Home Fire Insurance Policies Insurance policies in North Carolina differ by carrier, but most follow HO-3 guidelines. These policies cover: However, coverage does not guarantee full payment. Insurance adjusters assess the “actual cash value,” subtract depreciation, and often classify upgrades as homeowner responsibility. As a result, many NC families are shocked to … Continued

The Hidden Costs of Repairing a Fire-Damaged House in North Carolina

Smoke Damage — The Invisible Threat Smoke is one of the most damaging elements after a fire, and it spreads far beyond the visible burn zone. In humid North Carolina regions like Wilmington, Jacksonville, and New Bern, smoke residue clings even more aggressively to surfaces and insulation. Hidden smoke damage often affects: Removing smoke isn’t … Continued

How to Sell a Fire-Damaged House in North Carolina: A Complete Guide for Homeowners

Understanding the Full Scope of Fire Damage Selling a fire-damaged house in North Carolina comes with emotional, financial, and logistical hurdles. Whether the fire was contained to a single room or caused widespread destruction, homeowners quickly discover that the impact reaches far beyond the burn area. Smoke moves through vents, water from firefighting efforts saturates … Continued

Tax Implications When Selling a Rental Property in North Carolina

Selling your rental property isn’t just about finding the right buyer—it also has tax consequences. Many Wilmington landlords overlook these costs until the closing table, where surprises can cut into their profits. Understanding the tax implications can help you plan smarter and keep more of your hard-earned money. 1. Capital Gains Tax If you sell … Continued