Windstorm and Hail
Depending on where you live and the insurance company's underwriting guidelines, windstorm and hail coverage may be excluded from the primary residential property insurance policy. Some property owners may purchase a separate windstorm and hail policy. It is important to know that this policy would have a separate deductible. Often, if your windstorm and hail coverage is offered in a separate policy, it is written by the The North Carolina Insurance Underwriting Association (NCIUA) also known as the Coastal Property Insurance Pool.
The NCIUA is a tax-exempt association of insurance companies authorized to write and engage in writing essential property insurance coverage in North Carolina. The Association was created by law to provide adequate essential property insurance to property owners having insurable property in the Beach and Coastal Areas of North Carolina. The eligibility for a Windstorm and Hail policy with the NCIUA requires that the insured have an active primary coverage policy provided by an admitted carrier in North Carolina that has excluded windstorm. Remember to talk with your agent and/or insurance company, to ensure you are properly covered for wind and hail losses.
Files
after-a-disaster-brochure.pdf
after a disaster brochure
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