Insurance
One of the best things for homeowners, renters and business owners against any type of natural disaster is a good insurance policy. Be aware that homeowner’s insurance does not cover flood damage. You need a separate flood insurance policy. Homeowners, renters and business owners can buy flood insurance even if they reside in a high, low or moderate risk area. Policies are available for both residential and commercial buildings as long as the community joins in the National Flood Insurance Program.
For more North Carolina Insurance Information, call 800-546-5664 or 919-807-6750.
For information about the National Flood Insurance Program, call 888-379-9531.
Insurance Tips
- Ensure you have enough homeowner’s insurance to repair or replace your home, car or boat. Know your policy’s deductibles and the procedures to take when property is damaged or destroyed.
- A separate policy for flooding is likely necessary, regardless if you own or rent. Remember that new flood insurance policies often require a 30-day waiting period.
- Create a home inventory by documenting the estimated value, date of purchase and brand name/description of the valuable items in your home, including furniture, electronics and jewelry.
If you have storm damage:
- Contact your insurance agent as soon as possible to arrange a visit. Be patient as insurance companies are likely handling a very large volume of requests.
- Before making repairs to your home, take photographs and prepare a detailed inventory of all damaged property.
- Make only those repairs necessary to prevent further damage. Do not make permanent repairs without first consulting your agent. Unauthorized repairs may not be reimbursed.
- Save receipts for materials purchased for temporary repairs.
- Before renting temporary shelter, check with your insurance company or agent to determine what expenses will be reimbursed.
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