We’ve gotten a lot of questions about hurricanes, and a very common one is: in regards to hurricanes, what is not covered in my homeowner’s policy?
So we thought we’d talk a bit about that in this post and video.
The first thing to know, is that in coastal North Carolina and many coastal towns, wind and hail is excluded from your homeowners policy. So the first thing is for there to be coverage for a hurricane you would have to have that wind and hail policy as well as a homeowner’s policy.
The next thing is that flood is almost always excluded from a standard homeowners policy, so there’s no coverage for flood and rising water if you’ve had those damages unless you have a separate flood insurance policy and I think that’s one of the biggest things that people have run into as an issue.