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Storm, hail and insurance guides

Plain-English guides for Wilmington and the Cape Fear coast homeowners, checked against official sources.

Storm Center tools

How common is hail on the Cape Fear coast?Cape Fear hail by the numbers: NOAA reports for New Hanover, Brunswick and Pender since 2006, by county and month, the largest stones and busiest days.Coastal roof and claim words, explainedA Cape Fear roof claim dictionary: NCIUA, named-storm deductibles, ACV and RCV, holdback, appraisal, creased shingles, wind uplift and salt corrosion.Printable hurricane, hail and roof claim checklistsPrintable Cape Fear storm checklists: hurricane season prep, after hail, policy and NCIUA review, and questions for your insurer, adjuster and roofer.

Hail damage

How do you spot hail damage on a coastal roof?How to spot hail damage on Wilmington-area roofs: shingles and metal beach-house roofs, gutters and vents, hail versus salt-air wear, and sizes that matter.How big was the hail, and how often does it get that big here?Hail sizes from pea to softball, how often each size has hit New Hanover, Brunswick and Pender since 2006, and what each one tends to do to a coastal roof.What should you photograph after a coastal storm?A photo checklist for the Cape Fear coast after a hurricane, nor'easter or hail, how to keep wind and flood damage separate, and the records to save.What does hail damage look like? Photos for Cape Fear homeownersPhotos of hail damage on metal roofs, rooftop units, windows, walls and cars, and look-alikes common on the coast: algae, aging, installation and limb damage.Hail just hit your Cape Fear home. What now?After hail in Wilmington, Leland, Hampstead or Southport: stay safe, take dated photos, tarp openings, and find out whether NCIUA or your insurer responds.

Insurance claims

How does a roof insurance claim work in North Carolina?How a roof insurance claim works on the NC coast: when to file, NCIUA versus your homeowners policy, what adjusters do, deductibles and payments.Which deductible applies to your coastal roof claim?Named-storm and wind/hail deductibles in Wilmington, Brunswick and Pender: the NC trigger window, NCIUA's 1% minimum, and dollar examples to check yours.A tree fell on your Cape Fear home. What now?When a pine or live oak falls on a Cape Fear house: safety, removal, which policy pays including a neighbor's tree and NCIUA, and tree removal limits.How do you spot wind damage on a Cape Fear roof?Wind damage on Wilmington, Brunswick and Pender roofs after hurricanes, nor'easters and squalls: creased shingles, metal edges, which policy pays.Your roof is leaking after a coastal storm. What should you do?Roof leak after a hurricane or nor'easter in Wilmington: stopping water, wind-driven rain entry points, wind vs flood, mold and coverage.How do you protect an open roof after a coastal storm?Tarping a Cape Fear roof after a hurricane or nor'easter: why policies expect it, fastening against coastal wind, what's reimbursed, and Blue Roof rules.Which adjuster will you deal with on a coastal claim?Staff, independent, NCIUA and public adjusters on a Cape Fear roof claim: who works for whom, NC's 10% public adjuster cap after disasters, and prep.Your coastal roof claim was denied or underpaid. What are your options?Cape Fear roof claim denied or low? Get reasons in writing, compare estimates, request reinspection, try appraisal, or file with the NC Dept. of Insurance.How does an older roof get paid on a coastal claim?How roof age changes a Cape Fear claim: replacement cost versus ACV, roof payment schedules, held-back depreciation, and why coastal roofs age faster.How do you read a coastal homeowners policy before a roof claim?Read a coastal NC policy before a roof claim: two declarations pages if NCIUA covers wind, named-storm and wind/hail deductibles, RCV or ACV, code coverage.What should you ask your insurer (or NCIUA) when you report roof damage?What to ask your insurer or NCIUA when you report storm roof damage near Wilmington: which policy pays, which deductible applies, timelines and payments.What should you ask the adjuster when they inspect your coastal roof?What to ask the adjuster at a Cape Fear roof inspection: wind versus wear, hail hits per slope, repair or replace, code items, depreciation and matching.How do you read the insurer's roof estimate?Reading a Cape Fear roof estimate: squares, waste, high-wind code items, steep charges, depreciation, ACV, O&P and supplements.How do hurricane roof claims work on the Cape Fear coast?Hurricane roof claims in Wilmington, Brunswick and Pender: the NCIUA Beach Plan, named-storm deductibles, wind versus surge, and lessons from Florence.What should you do after a tornado damages your Cape Fear home?Tornado roof damage around Wilmington: tropical rain-band and spring tornadoes, the 2021 Grissettown EF3, staying safe, and documenting damage for a claim.

Hiring a roofer and avoiding scams

How do you avoid storm chasers and roofing scams?How to spot storm chaser roofing scams in Wilmington: door knockers, deductible offers, contracts to sign on the spot, and what North Carolina law says.What is an assignment of benefits on a roof claim?What an assignment of benefits means on a Cape Fear roof claim, what rights you hand a contractor when you sign one, and questions to ask before agreeing.What should you ask a Cape Fear roofer before you sign?Checking a roofer in Wilmington, Brunswick or Pender after a hurricane or hail: NC license rules, insurance certificates, a local address and coastal codes.