Burgaw · Pender County · Insurance
This is the Burgaw page for hurricane damage roof claim. The short version: you want to get a hurricane claim approved and understand the hurricane deductible, and you can have it without a salesperson at the door.
Get a written quoteOlder neighborhoods carry historic-review questions on material and color; newer ones carry HOA approvals; the roofer should know which applies to your address. Decade built, number of previous roofs, and any additions all move the number here, which is why a quote starts with a short conversation about the home's history. This is where well-installed architectural shingle is usually the right economic answer over metal or tile, because the wind-rating premium buys less.
On cost: the hurricane deductible is a percentage of dwelling coverage — often 2% to 5% — not a flat amount, so a claim needs to clear a much higher bar than a regular wind claim.
Building code in coastal counties was tightened after Hurricane Florence; a replacement roof built to current wind provisions can mean a real difference at renewal, not just a formality.
How it works
Not automatically, but the carrier will argue pre-existing wear. An inspection report from before the storm, or good documentation of storm-specific damage patterns (creased shingles, lifted tabs on the windward side), makes the difference.
The hurricane deductible applies only during a named storm declared by the National Hurricane Center and is a percentage of your dwelling coverage. On a home insured for a mid-six-figure amount, that can be five figures. Every other wind event uses the regular flat deductible.
Building code in coastal counties was tightened after Hurricane Florence; a replacement roof built to current wind provisions can mean a real difference at renewal, not just a formality. Burgaw is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."