Does North Carolina Wind and Hail Insurance Cover Damage?

In North Carolina, wind and hail insurance can be a crucial component of property protection, especially for residents in coastal areas prone to severe weather events. This specialized insurance is designed to help cover the cost of damage caused by windstorms and hail, which are common in the state due to its exposure to hurricanes and other severe storms.

Coverage Details

Wind and hail insurance typically offers coverage for damage to your home’s structure and other insured buildings on your property. This can encompass repairs or replacements necessitated by wind or hail damage. However, the coverage specifics can differ based on the policy and the insurance provider. Therefore, reviewing your policy details is crucial to understand what is covered and any exclusions that may apply.

Policy Exclusions

Common exclusions in North Carolina wind and hail insurance policies can vary, but the following are some typical ones:

• Flood damage—Wind and hail insurance generally does not cover damage caused by flooding. Homeowners need separate flood insurance for this type of coverage.

• Water damage—Damage from water that enters the home due to wind-driven rain might not be covered unless it directly results from wind or hail damage to the structure.

• Wear and tear—Normal wear and tear or deterioration of the property is not covered. Insurance typically covers sudden and accidental damage, not gradual damage over time.

• Preexisting damage—Any damage that existed before the policy was in effect is excluded. Insurance policies cover new incidents, not preexisting conditions.

• Neglect—Damage resulting from the homeowner’s neglect or failure to maintain the property correctly is usually excluded.

• Certain personal property—Some policies may exclude coverage for specific types of personal property, such as vehicles or high-value items, unless additional coverage is purchased.

Learn More

To learn more about insurance options for your home, contact Amato Insurance Group.

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.