How to File a Wind or Hurricane Damage Claim in Coastal NC
A step-by-step guide for coastal NC homeowners on filing a wind or hurricane damage claim, from documenting the damage to working with the adjuster.
Recent Articles
Wind vs. Flood Damage After a Hurricane: What Your NC Coastal Insurance Covers
After a coastal NC hurricane, wind and flood damage are paid by different policies. Here is how to tell them apart and make sure you are covered for both.
How to Lower Your Wind and Hail Premium in Coastal NC: FORTIFIED Roofs and Mitigation Credits
A FORTIFIED roof and wind-resistant upgrades can earn coastal NC homeowners premium credits, and grants may help cover the cost. Here is how it works.
Can You Buy or Change Insurance Right Before a Hurricane? NC Binding Restrictions Explained
Once a storm is named, most NC carriers stop writing or changing coverage. Here is how binding moratoriums work and why coastal homeowners should act early.
Hurricane and Named-Storm Deductibles in North Carolina: What Coastal Homeowners Should Know
Named-storm deductibles in coastal NC are a percentage of your home's insured value, not a flat fee. Here is how they work, what triggers them, and how to plan.
Coastal NC Hurricane Season Prep: The Insurance Checklist to Do Now
Hurricane season builds through late summer and fall on the NC coast. Here is the insurance checklist every Wilmington-area homeowner should finish now, before a storm is named.
Does my mortgage require me to have Wind and Hail insurance Coverage?
Yes. All mortgage companies and banks require it.
In most parts of the country, the traditional home insurance policy HO-3 includes Wind and Hail Coverage.
Past Hurricanes and the Lessons Learned
The lessons taught by the last major hurricane, "Heavyweight Harvey" are endless and the financial costs have surpassed $125,000,000,000 Billion, while flooding 150,000 homes and killing 68 people and countless pets.
In Houston, the peril of wind was defended against by all the concrete that makes up a large city, though it didn't assist in the large amounts of rainfall that resulted in a massive flood.
Wind & Hail Insurance: Why You Need It
If you own a home, you are subject to the vagaries of weather. Especially anywhere near the coast, weather can make a mockery of the best laid plans we have for our homes. Here are four reasons you should consider adding Wind & Hail Insurance to your policy
