Coastal North Carolina Wind & Hail Insurance
The Wind and Hail Exclusion is the Most Common Gap in Coastal NC Homeowner Policies
Living on the coast requires more than a 'one-size-fits-all' policy. Yet, many homeowners unknowingly carry a Wind & Hail Exclusion that leaves their biggest asset vulnerable.
This is why its good to have a second pair of eyes when choosing a new policy or renewing an existing one.
Whether you're questioning your current coverage, shopping for a new policy, or just bought a home in Wilmington, we're here to help you understand your options and find the right protection before you need it.
What Coastal Homeowners Need to Know
New Hanover County sits in one of 18 coastal counties where many standard homeowners policies exclude wind and hail damage entirely. Here's what that means for you.
The Coverage Gap Most Homeowners Don't Know About
When you purchased homeowners insurance, you may have assumed it covers everything including hurricanes, tropical storms, and severe weather. For many coastal North Carolina homeowners, that assumption can be a costly mistake.
In our region, insurance carriers often exclude wind and hail damage from standard policies because the likelihood of claims is higher. This means you could have a homeowners policy that covers fire, theft, and liability, but leaves your roof, siding, and windows unprotected from the very storms our area is known for.
If your primary homeowners policy excludes wind and hail, you'll need a separate policy to cover this risk. This coverage is often obtained through the North Carolina Insurance Underwriting Association (NCIUA), also known as the Coastal Property Insurance Pool or "Beach Plan." However, private insurance carriers may also offer wind and hail coverage as an alternative. Our team can help you assess your needs, navigate the options, and find the right solution to ensure you are fully protected.
The good news: once you understand your coverage needs, protecting your home becomes straightforward. That's where we come in. We'll review your current policy, explain exactly what's covered and what isn't, and help you make informed decisions about protecting your home.
Understanding Your Deductible
Coastal policies often have percentage-based deductibles for wind and hail claims rather than flat dollar amounts. For example, a 2% deductible on a $400,000 home means you'd pay $8,000 out of pocket before coverage begins. We'll help you understand exactly what your deductible would be and explore options that fit your budget.
What Wind & Hail Insurance Covers
Comprehensive coverage protects the major components of your home that are most vulnerable during severe weather events.
Roof Damage
Coverage for shingles, tiles, metal roofing, and structural roof damage caused by wind and hail. Your roof is typically the most expensive repair after a storm, making this coverage essential for coastal homeowners.
Siding & Exterior
Protection for vinyl, wood, brick, and stucco damage. Also includes coverage for gutters, downspouts, fascia, and soffit that can be damaged by wind-driven debris or hail impact.
Windows & Doors
Broken windows, damaged frames, and doors compromised by wind-driven debris. This includes sliding glass doors, skylights, and any glass elements that could be damaged during a storm.
HVAC Systems
Air conditioning units, heat pumps, and outdoor HVAC equipment are exposed to the elements and vulnerable to damage from hail and flying debris during severe weather.
Fences & Outdoor Structures
Protection for fencing of all types, as well as sheds, detached garages, pergolas, and other structures on your property that could be damaged by high winds or hail.
Interior Water Damage
When wind or hail compromises your roof or windows, water can enter your home. Coverage typically extends to resulting interior damage—ceilings, walls, flooring, and belongings affected by this water intrusion.
Why Wilmington Homeowners Choose April Jones Insurance
We're not a call center, and we're not limited to selling one company's products. As an independent agency with deep roots in coastal North Carolina, we bring something different: relationships with dozens of insurance carriers and a genuine understanding of what our neighbors need.
Your Personal Advocate
When you call, you reach real people who know your name and your policy. From your first question through any claim, we're in your corner.
Multiple Carrier Options
We compare policies from numerous insurance companies to find coverage that actually fits your situation versus just what one carrier happens to offer.
Local Market Knowledge
We understand which carriers stand behind their policies when it matters most. We've seen how different companies handle claims in our area.
Claims Support When You Need It
Filing a claim shouldn't add stress to an already difficult situation. We handle the details and fight for your best outcome so you can focus on what matters.
Homeowners deserve agents who slow down, check details, and explain what things mean.
"April Jones is excellent. After meeting her, we transferred all our policies to her, saved money, and never regretted it. She helped us several times to resolve issues when we bought new properties, added extra coverage, etc. She and her entire team are amazing. I am very impressed with the communication and professionalism of an insurance company! Highly recommend"
- Hannah B.
What Coastal Homeowners Need to Know
We believe getting the right insurance shouldn't feel complicated or confusing. Our process is designed to give you clarity at every step. You'll always know what's happening, what your options are, and what we recommend—and why.
Start the Conversation
Submit the form above or give us a call. Tell us about your property and current coverage situation.
We Review Your Situation
Our team examines your current policy (if you have one) and identifies any gaps. We look at your specific property against your coverage needs.
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Compare Your Options
We present clear options from multiple carriers. We'll explain the differences in plain language and answer every question you have.
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You Decide, We Handle the Rest
Once you choose, we take care of the paperwork and coordination. Coverage can often begin the same day.
We're Here Long After You Sign
Getting coverage is just the beginning of our relationship. When you need to file a claim, have questions about your policy, or want to review your coverage as your needs change, we're a phone call away. And in the event of a claim, we walk with you through it, handling claims from start to finish.
What Coastal Homeowners Need to Know
We believe getting the right insurance shouldn't feel complicated or confusing. Our process is designed to give you clarity at every step. You'll always know what's happening, what your options are, and what we recommend—and why.
We're Here Long After You Sign
Getting coverage is just the beginning of our relationship. When you need to file a claim, have questions about your policy, or want to review your coverage as your needs change, we're a phone call away. And in the event of a claim, we walk with you through it, handling claims from start to finish.
Wind Mitigation Improvements
Upgrades like hip roofs, secondary water barriers, opening protections (shutters), and reinforced roof-to-wall connections can reduce damage and often qualify for insurance discounts. Ask us which improvements offer the best return in our area.
Document Your Home
Keep a digital record of your home's condition, upgrades, and valuable items. Photos, videos, and receipts stored in the cloud can speed up the claims process and ensure accurate reimbursement if damage occurs.
Review Coverage Annually
Home values, replacement costs, and your personal circumstances change over time. An annual policy review ensures your coverage keeps pace with your needs and helps identify potential savings opportunities.