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Quick answers to Wind & Hail questions
These are some of the most frequent questions homeowners ask.
Not always. In many coastal and higher-risk areas of North Carolina, homeowners policies exclude wind and hail due to storm exposure. You may need a separate policy through the North Carolina Insurance Underwriting Association (NCIUA) or an endorsement from your carrier. Wells can help you determine what applies to your home.
It generally covers damage to your home’s structure - such as the roof, siding, and windows - caused by windstorms, hurricanes, or hail. Depending on the policy, some coverage may extend to personal belongings inside the home or additional living expenses while your home is being repaired. Coverage details vary by insurer, location, and policy type.
Yes. Wind & Hail policies don’t cover every kind of storm loss. Common exclusions include flood damage, water intrusion not caused by wind, normal wear and tear, and preexisting damage. Your Wells advisor can help you review what’s covered and where additional protection may be useful.
If you have a mortgage on a coastal property, your lender may require separate Wind & Hail coverage as part of the loan conditions. Even when it’s not required, having a policy in place can help reduce financial risk for homes in areas prone to hurricanes and strong storms.
