What Piedmont Triad Homeowners Should Know About Hurricane Coverage in North Carolina

Hurricane season brings weather-related risks to homes in Reidsville, across Rockingham County and throughout the Triad. Powell-Barefoot Insurance, Inc. can help you evaluate your homeowners insurance coverage and identify potential gaps.

Understanding Wind and Hail Coverage

Many North Carolina homeowners policies cover wind and hail damage. If a storm tears off shingles or sends a tree limb through a window, your policy can help cover repairs. However, properties in coastal areas often require separate windstorm coverage.

In some cases, policies carry a separate deductible for damage caused by a hurricane or named storm, often a percentage of your home’s insured value rather than a flat dollar amount. Check your declarations page before a claim so you know what to expect out of pocket.

How Flood Insurance Can Help

A standard homeowners policy typically does not cover flood damage. Flood insurance may help cover losses caused by rising water entering a home. Because policies often include waiting periods (e.g., 30 days), we recommend reviewing your options and securing coverage before storm season begins.

Reviewing Your Coverage

Before hurricane season peaks, it may be worth reviewing your homeowners policy. Coverage limits may not reflect your home’s current rebuild cost, deductibles for specific situations may apply and your policy may have exclusions worth noting. Flood coverage typically requires a separate policy if not already in place.

What to Do After Storm Damage

Here’s what you can do to help move the claims process along after a storm:

• Document the damage by photographing all affected areas before making temporary repairs.
• Contact your insurer to report the claim and ask about next steps.
• Make temporary repairs as needed, as your policy may cover reasonable costs to prevent further damage.
• Keep records of repair receipts and additional living expenses, which may be reimbursable under your policy.

We Support Local Homeowners

Contact Powell-Barefoot Insurance, Inc. today to get a free custom quote.

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.