North Carolina · Insurance
Non-hurricane wind events. Most people searching this want to file a wind claim for a storm that wasn't a named hurricane — that's what you'll get, in writing, from a licensed, insured North Carolina roofing contractor from our vetted network.
Get a written quoteuses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane deductible.
Coastal North Carolina policies carry a percentage-based hurricane or named-storm deductible, and many high-risk coastal properties are written through the NC Joint Underwriting Association (the Beach Plan) rather than a standard carrier — worth knowing before you assume a normal claims process.
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.
Inland and Piedmont homeowners see more wind and hail claims than hurricane claims — the same documentation standard applies, but the deductible is the regular flat one, not the named-storm percentage.
Western North Carolina's mountain counties add freeze-thaw and occasional ice-dam damage to the usual wind and storm picture — a different failure mode than the coast, and one fewer roofers are experienced with.
How it works
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is a regular wind claim.
In Florida, carriers can't surcharge for a single claim from a declared event, but claims history does affect your ability to shop for coverage. In Texas, it varies by carrier.
In 15 counties and 60 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.