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In coastal North Carolina and many coastal towns, wind and hail as well as flood is typically excluded from a homeowner's policy. There can be separate policies for both wind inhaler flood, and your policy could be endorsed to include things like water sewer backup and refrigerated property coverage. A coverage for things such as wind driven rain and expenses due to evacuation may be included depending on your specific policy. Each policy can be different, so speak with your agent and review your homeowner's policy to see what is and what is not included.
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