Roof storm damage help for Wilmington and the Cape Fear coast
Live weather alerts and official hail reports, plain answers about insurance claims, deductibles and trees on roofs, and a directory of local roofers.
Weather alerts right now
- Coastal Flood Advisory: New Hanover until Sat, Oct 31 at 4:00 PM ET
Updated from the National Weather Service.
Storm Center: hail, claims and the questions to ask
Live alerts and storm reports, plus deep guides: what hail damage looks like, hail damage photos, how to read your policy, questions for your insurer and your adjuster, your estimate, local hail history and printable checklists.
Storm damage: where to start
Quick answers
Does homeowners insurance cover hail damage in North Carolina?
Most homeowners policies cover sudden wind and hail damage, subject to your deductible, which may be a separate wind/hail deductible. Wear and age are generally not covered, and some policies pay only actual cash value on older roofs. How claims work.
What should I do first after a storm damages my roof?
Stay safe, photograph the damage before cleanup, cover openings with a tarp, check your deductible, then call your insurer. Photo checklist.
Who pays when a tree falls on my house?
Usually your own homeowners insurance, even if it was the neighbor's tree, when wind or another covered peril knocked it down. Tree on roof.
Can a roofer handle my insurance claim?
Only you, or a licensed public adjuster you hire, should negotiate the claim itself; ask any contractor who offers to do it whether they hold a public adjuster license.
How do I check a roofer's license?
North Carolina has no separate state license for roofers on smaller jobs. A general contractor license from the NC Licensing Board for General Contractors is required when the total cost of a project is $40,000 or more (G.S. 87-1), and roofing work at that size falls under the board's building, residential, or specialty roofing classifications. Below that amount, ask for proof of liability insurance and workers' compensation, and check the local building permit office. License lookup.
Recent storm reports in the area
Hail, damaging wind and tornado reports from the NOAA Storm Prediction Center for the last 7 days.
No hail, damaging wind or tornado reports in the covered counties in the last 7 days.
See the 12-month storm log by county
Storm and insurance news
- After Isaias, NC Department of Insurance lists steps for storm damage; NCIUA says named-storm deductible does not apply
The North Carolina Department of Insurance advised homeowners to prevent further damage and keep receipts after the October 11 storms. The NCIUA, which writes wind and hail coverage on many coastal homes, said its named-storm deductible would not apply because no watches or warnings were issued for North Carolina.
- Isaias remnants bring tornadoes to southeastern NC; Pender County tornado caused no damage, NWS says
The National Weather Service in Wilmington surveyed tornadoes near East Arcadia in Bladen County and Clarendon in Columbus County on October 11, 2026, and said a tornado seen near Atkinson in Pender County caused no damage it could find.
Counties and towns
Local storm history, building offices and roofers for each place this site covers.
- New Hanover County
- Brunswick County
- Pender County
- Wilmington
- Wrightsville Beach
- Carolina Beach
- Kure Beach
- Castle Hayne
- Leland
- Southport
- Oak Island
- Shallotte
- Burgaw
- Hampstead
- Surf City
Local roofing contractors
13 roofing contractors serving Wilmington and the Cape Fear coast, with the address and phone each one publishes. See the directory or learn how to check a roofer's license.
Why this site exists
After a storm, people in Wilmington and the Cape Fear coast search for the same things: whether hail hit their street, what their insurance will cover, and who to call. WilmingtonNCRoofer.com puts official weather data, plain-English insurance guidance sourced from the North Carolina Department of Insurance and other official sources, and a local roofing directory in one place. It is published by HERE City, the company behind HERE City. It is not a contractor and does not sell roofs, insurance or leads to homeowners.
Content last reviewed October 29, 2026. How we source and comply.