Additional Disaster Resources

Tab/Accordion Items

NCJUA - Fair Access to Insurance Requirements (FAIR Plan) offers, to any person having an insurable interest in property, full peril commercial fire and dwelling fire within the state of North Carolina excluding the beach area (defined as that area of North Carolina south and east of the inland waterway including the area known as the Outer Banks).

NCIUA - Coastal Property Insurance Pool (CPIP) The Coastal Property Insurance Pool offers commercial, homeowner and dwelling windstorm coverage and homeowner coverage to any person having an insurable interest in property located in the 18 eligible coastal counties of North Carolina. The Coastal Property Insurance Pool also offers commercial fire and dwelling fire in a more limited area defined as the beach area (comprised of North Carolina south and east of the inland waterway, including the area known as the Outer Banks).

To obtain the status of a claim with the NCIUA and your policy is Windstorm or Hail coverage only, you will need to contact the Member Insurer that insures your policy and has excluded the windstorm or hail. The Member Insurer is required to investigate and adjust the claim.

To obtain the status of a claim with the NCJUA/NCIUA and your policy is Full Peril including windstorm or hail, you may call (919) 821-1299 or 1-800-662-7048.

751 Corporate Center Drive, STE 200
Raleigh, NC 27607

PO Box 8009 (Mailing Address)
Cary, NC 27512

The Federal Emergency Management Agency (FEMA) mission is to reduce the loss of life and property and protect communities nationwide from all hazards, including natural disasters, acts of terrorism, and other man-made disasters. FEMA leads and supports the nation in a risk-based, comprehensive emergency management system of preparedness, protection, response, recovery and mitigation.

Residents of many flood prone areas are eligible for special flood protection provided by the federal government under the National Flood Insurance Program (NFIP). The NFIP aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management regulations.  Your agent can assist you in the purchase of this coverage if you are eligible or you may call the NFIP at 800-638-6620.

Please note that regulatory authority over NFIP flood insurance policies rests with the Federal Emergency Management Association, not with the North Carolina Department of Insurance.

Flood Smart

The Commissioner of Insurance may issue an order establishing the Disaster Mediation Program following a state of disaster proclaimed by the Governor or declared by the President. Eligible individuals who have had a homeowners insurance claim partially or completely denied can request a mediation conference in which an independent mediator with no connection to the insurance company will facilitate discussion between the insurance company and the policyholder to help them reach a resolution.

Frequently Asked Questions about Disaster Mediation


The purpose of a home inventory is to document what you own to help the insurance company evaluate your loss. Go room to room in your home, and write down the brand name/description, estimated value and date of purchase of items in your home. It is also helpful to compile receipts, appraisal documents and serial numbers.

Download a home inventory checklist

Videotape or photograph your belongings. Remember to show the insides of closets, your garage and any storage spaces. Store your home inventory and related documents in a safe, easily accessible place online, on your computer or in a fire-proof box or safe deposit box. Consider sharing a copy with friends or relatives.

iPhone® users — myHOME lets you quickly photograph and capture descriptions of your possessions room by room, then store electronically for safekeeping.

Android® users — myHOME lets you quickly capture images, descriptions, and serial numbers of your possessions, then organize the information by room or by category.

The app even creates a back-up file for email sharing.

The North Carolina Department of Justice in its mission to protect the people of North Carolina. The North Carolina Department of Justice works to prevent crime and support law enforcement, to safeguard consumers, and to defend the State, its people, and their constitutional rights.

Consumer Protection
Office of the Attorney General
9001 Mail Service Center
Raleigh, NC 27699-9001

877-5-NO-SCAM (toll free in N.C.) or 919-716-6000

The NCDA&CS Emergency Programs Division’s mission is to reduce the vulnerability to or the impact from, any disaster, disease or terrorist attack on the agriculture community of North Carolina.

Mailing Address:1035 Mail Service Center, Raleigh, NC 27699
Physical Address: 2 West Edenton Street, Raleigh, NC 27601
Phone: (919) 807-4300 Fax: (919) 807-4303