Related Pages

North Carolina Hurricane Insurance Claims

As a North Carolina resident, you’re all too familiar with the danger hurricanes pose. That’s why you take precautions every season, including storm-proofing your home and ensuring your insurance coverage is sufficient.

But unfortunately, when it comes time to file a claim, the insurance company might not make things easy on you. Even if you do everything right, they might deny or undervalue your losses.

That’s where Morgan & Morgan comes in. Our hurricane insurance lawyers are here to help you recover the compensation you’re owed. 

Schedule a free, no-risk case evaluation today.

What Is Hurricane Insurance?

Hurricane season lasts from the beginning of June to the end of November. During this time, properties up and down the Atlantic Coast face the prospect of significant property damage. Having the right insurance policies can protect you against these losses.

Generally speaking, there is no single policy that protects against hurricane damage. Instead, you can purchase a homeowners insurance policy that includes windstorm damage, along with flood insurance to address the two major threats hurricanes present: wind and water damage.

However, as a North Carolina resident, you are subject to a hurricane deductible – an amount of money you must pay before your homeowners insurance policy kicks in. If, for example, your home is insured for $200,000 and you have a 1% deductible, you would pay the first $2,000 of the claim out of pocket.

Why Do I Need a Lawyer?

From broken doors and windows to flooding and structural damage, there’s virtually no limit to the destruction a hurricane can cause. Unfortunately, the insurance company likely won’t recoup your losses without a fight. Instead, they might:

  • Deny, delay, or undervalue your claim
  • Neglect to pay your claim under the appropriate coverage category
  • Falsely assert that certain damages are not covered by your policy
  • Refuse to pay your claim unless you sign a release of supplemental claims
  • Deny that your coverage exists

If you encounter difficulties getting your claim paid, contact our North Carolina attorneys. We can evaluate the facts to identify the true value of your claim, then pursue full compensation on your behalf.

Contact a North Carolina Hurricane Lawyer 

At Morgan & Morgan, we take pride in holding insurance companies accountable. Across practice areas, our attorneys have recovered more than $7 billion for our clients.

We may be able to help you, too. Contact us for a free, no-obligation case review. It costs nothing to hire us, and we get paid only if we successfully resolve your case.

Free North Carolina Hurricane Insurance Claims Case Review

Share your experience and we will call you

or Call Now Phone

By submitting you agree to our Terms & Privacy Policy.

John Morgan