Wind and Hail- do I or don’t I?

Why Do Some Insurance Policies in North Carolina Cover Wind and Hail, While Others Don’t and Require the NCJUA?

In North Carolina, the issue of wind and hail coverage can be a bit tricky. Some homeowners insurance policies include coverage for wind and hail, while others exclude it, requiring homeowners to obtain coverage through the North Carolina Joint Underwriting Association (NCJUA), or the state insurance pool.

This difference usually comes down to the level of risk involved. Wind and hail are considered high-risk perils, especially in areas prone to storms or near the coast. Many captive insurance companies—those that work exclusively with one insurer—often exclude this coverage due to those risks. As a result, if you’re in a high-risk area, you may need to purchase coverage through the NCJUA.

But here’s the key: As an independent insurance agency, we are not limited by the same restrictions that captive agents face. We offer a tailored approach to your coverage, meaning we can quote policies that both include and exclude wind and hail coverage—depending on what’s best for you. We’re able to offer you multiple options, whether you need coverage through the NCJUA or a standard policy with broader protection.

Unlike captive agents who can only offer a narrow selection of policies, we have the flexibility to shop around for the best coverage and rates available, giving you more control over your insurance choices. Our goal is to find the right fit for your unique needs—no restrictions, no limitations. Whether that is through a carrier that includes wind or we need to pivot and pride a quote through the NCJUA/NCIUA, we will give you all options.

For more information on the NCJUA, a non-profit state entity that provides coverage for homeowners in high-risk areas, visit their official website at www.ncjua-nciua.org to learn more about their rates and structure.