September 25, 2017

North Carolina Hurricane Damage Insurance Claims

On August 27, 2011, Hurricane Irene caused millions of dollars worth of North Carolina hurricane damage in a 24 hour period.

American Property Loss local North Carolina Public Adjusters are available to do a complete review of your North Carolina hurricane damage insurance claim. From initial on-site hurricane property damage estimates to reviewing your insurance company adjuster estimates for completeness, American Property Loss local North Carolina Public Adjusters are experienced and ready to get your life back in order after North Carolina hurricane damage.

House pushed off foundation by hurricane

House pushed off foundation by hurricane - Major property damage

Being on the East Coast and rather jutting out into the Atlantic, North Carolina is well-known for being the target of many hurricanes. With cities such as Wilmington and Figure Eight Island, Jacksonville, Morehead City, New Bern, and the entire Outer Banks including Kill Devil Hills, Nags Head and Cape Hatteras, at risk for devastating hurricane force winds with frequency, American Property Loss local North Carolina Public Adjusters can be busy during hurricane season.  Inland areas around our state also frequently experience high winds and torrential rains as a result of hurricanes.

Local North Carolina Public Adjusters – We are there

Due to Hurricane Irene hurricane damage in North Carolina, American Property Loss local North Carolina Public Adjusters setup a temporary headquarters in Oriental, NC area to help with Hurricane Irene property damage claims.  As we spoke about the coastal North Carolina hurricane damage, we all realized that we have all spent many enjoyable times in and around our North Carolina coast area – and it was particularly sad to see so many of these places devastated by Hurricane Irene. Because we’re local, we take it personally and are there to help our friends and neighbors get back on their feet.  We live here, we play here, and we love our state – we aren’t just loading up suitcases to run to the most recent disaster.  American Property Loss local North Carolina Public Adjusters have a vested interest in making sure your home and our state gets back to normal as soon as possible.

About your North Carolina Hurricane Insurance Policy

Most property insurance policies provide coverage for losses resulting from hurricanes, except for flood loss associated with the hurricane.However, some policies only provide limited coverage for hurricanes, or require that a higher deductible be purchased specifically for the hurricane peril. Most states with risk of loss from hurricanes have government mandated insurance plans that provide hurricane coverage to property owners who are unable to obtain insurance through the voluntary market.

Another peril coverage is windstorm to include tornado, hurricane, tropical storm and even wind storm damage associated with thunderstorms. Properties in a high wind zone area often became uninsureable which forces many homeowners to seek windstorm coverage with the quasi-governmental carrier.

Read more at American Property Loss Public Adjusters

Typically a property insurance policy covers direct physical damage from windstorm. If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy. Then the major concern of the property owner becomes, “What is the full cost of repair or replacement to make me whole again?” Business owners will suffer down time creating the need to document business interruption loss. Homeowners will want to know, where they will live while their home is being repaired. Not only is the building loss a concern, but business inventory losses, and personal property damage frequently become a major portion of the windstorm damage insurance claim.

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

If there is water damage resulting from a windstorm event, you need to review your policy’s language. Typically, if there is a break in the building which lets in water, then you have coverage. Water damage to contents would also typically be included as part of the loss. Wind driven rain can also be very problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure.

Property insurance policies that do cover windstorm normally exclude the peril of flood, and flood policies cover flood but not the peril of windstorm. So what happens when a hurricane damages properties, especially along the coastlines? Will the windstorm carriers and the flood carriers point fingers at each other, and leave you, the policyholder, caught in the middle. If you have a loss from wind and flood you need to be prepared to prove which caused what part of your damage. The public adjusters frequently assist policyholders in sorting out what is wind and what is flood.

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Hurricane Irene Damaged Mobile Home in Arapahoe NC

Find out more information at the NC Department of Insurance Disaster and Recovery

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