Understanding Wind & Hail Insurance Coverage for Homeowners in North Carolina
Living in North Carolina brings the beauty of its coastal landscapes and the charm of its inland regions, but it also means being exposed to the risks associated with severe weather, particularly wind and hailstorms. For homeowners living east of I-95, having adequate NC coastal insurance coverage against these perils is crucial to protect their investment. Let's delve into what wind and hail insurance coverage entails and why it's essential for North Carolina homeowners.
What is Wind & Hail Insurance Coverage?
Wind and hail insurance coverage, often included as part of a standard homeowners insurance policy, provides protection against damage caused by windstorms and hailstorms. In North Carolina, where coastal areas are vulnerable to hurricanes and inland regions experience severe thunderstorms, this coverage is particularly vital. Click here to see our Guide to the NC Joint Underwriters and Wind Pool Map.
What Does Wind & Hail Insurance Cover?
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Structural Damage: Windstorms and hailstorms can cause significant damage to the structure of a home, including roof shingles torn off by strong winds and siding dented or broken by hail. Wind and hail insurance typically cover the cost of repairing or rebuilding the damaged structure, helping homeowners restore their property to its pre-loss condition.
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Personal Property Damage: In addition to structural damage, wind and hailstorms can also harm personal belongings inside the home, such as furniture, electronics, and clothing. Wind and hail insurance may reimburse homeowners for the repair or replacement of damaged personal property, ensuring they can recover financially from the loss.
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Additional Living Expenses: If a wind or hailstorm renders a home uninhabitable, homeowners may need to seek temporary accommodation elsewhere. Wind and hail insurance often includes coverage for additional living expenses, such as hotel bills and dining out, while the home is being repaired or rebuilt.
Who Needs Wind & Hail Insurance?
If you live in North Carolina east of I-95, most likely you need a wind and hail insurance policy. Here are the coastal counties of NC that may require you to have wind and hail as a seprate homeowners policy.
| County Name | County Name | |
|---|---|---|
| BEAUFORT | JONES | |
| BERTIE | LENOIR | |
| BLADEN | MARTIN | |
| BRUNSWICK | NEW HANOVER | |
| CAMDEN | NORTHAMPTON | |
| CARTERET | ONSLOW | |
| CHOWAN | PAMLICO | |
| COLUMBUS | PASQUOTANK | |
| CRAVEN | PENDER | |
| CUMBERLAND | PERQUIMANS | |
| CURRITUCK | PITT | |
| DARE | RICHMOND | |
| DUPLIN | SAMPSON | |
| EDGECOMBE | SCOTLAND | |
| GATES | TYRRELL | |
| GREENE | WASHINGTON | |
| HALIFAX | WAYNE | |
| HERTFORD | WILSON | |
| HYDE | ||
Exclusions and Deductibles
It's essential for homeowners to review their insurance policy carefully to understand any exclusions and deductibles related to wind and hail coverage. Some policies may have specific limitations on coverage for certain types of damage, such as cosmetic damage to roof shingles, or higher deductibles for wind and hail claims compared to other perils.
Why is Wind & Hail Insurance Important in North Carolina?
North Carolina is no stranger to severe weather events, including hurricanes, tropical storms, and powerful thunderstorms. These weather phenomena can bring high winds, heavy rain, and large hail, causing extensive damage to homes and properties. Without adequate insurance coverage, homeowners may face significant financial burdens in repairing or rebuilding their homes after such events.
For homeowners in North Carolina, where the threat of wind and hailstorms looms large, having comprehensive insurance coverage against these perils is essential for safeguarding their coastal properties and financial well-being. By understanding what wind and hail insurance covers and reviewing their policies carefully, homeowners can ensure they have the protection they need to weather any storm that comes their way.
