What North Carolina Residents Need to Know About Hurricane Insurance   

Hurricane coverage is not a standalone policy, but a combination of flood, windstorm and homeowners insurance. It’s a critical consideration for North Carolina residents due to the state’s long coastline and history of powerful hurricanes.

Does Homeowners Insurance Include Hurricane Coverage?

While some homeowners insurance policies may provide financial protection against hurricane damage, coverage can vary and often includes specific exclusions, particularly for flood-related losses. You might also be required to pay a separate deductible for hurricane-related claims.

What Does Hurricane Insurance Include?

Hurricane insurance often consists of different policies that address specific types of damage.

• Homeowners insurance may cover wind damage to your home’s physical structure and belongings after a hurricane.

• Flood insurance may cover damage directly caused by floodwater. This may include your personal belongings and the cost of repairing or rebuilding your home.

• Windstorm insurance may be added separately or included in some homeowners policies, depending on the provider and location. It may cover property damage resulting from gales, winds and hail.

Do Lenders Require Hurricane Insurance?

Mortgage lenders in North Carolina often require insurance for properties located in high-risk coastal or flood-prone areas. Standard homeowners insurance may exclude windstorm or hail damage, so lenders typically require separate windstorm coverage. Your lender requires flood insurance if the property lies within a flood zone designated by the Federal Emergency Management Agency.

We’re Here to Help

Our agents can review your current insurance policies to see how they address hurricane-related damage. For help with coverage options, contact Eastern Carolina Insurance today to learn more about available coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.