Wind and Hail Insurance in North Carolina

Why Wind and Hail Insurance Matters in North Carolina

North Carolina’s location along the Atlantic coast means residents face a higher risk of damage from hurricanes, tropical storms, and severe thunderstorms. High winds and hail can damage roofs, siding, windows, and outdoor structures—leading to costly repairs.

In many coastal counties, standard homeowners insurance policies exclude or limit wind and hail coverage. This means you may need a separate windstorm policy or an endorsement to stay fully protected.
‍

What Does Wind and Hail Insurance Cover?

While coverage can vary depending on your carrier and location, most wind and hail policies help pay for:

• Roof and Siding Damage – Repairs or replacement for wind or hail-related damage.
• Windows and Doors – Coverage for broken glass, frames, and seals.
• Detached Structures – Sheds, garages, fences, and other structures damaged by wind or hail.
• Interior Damage – If wind or hail creates an opening that lets water in, repairs to the inside of your home are typically covered.
  ‍

Do You Need a Separate Policy?

In certain North Carolina coastal counties—including New Hanover, Brunswick, Carteret, and Dare—wind and hail coverage is often excluded from standard homeowners insurance. Instead, coverage may be available through:

• A separate wind and hail policy from a private carrier
• The North Carolina Insurance Underwriting Association (NCJUA) / Coastal Property Insurance Pool
• An endorsement added to your current homeowners policy
  ‍

Wind and Hail Insurance for Businesses

It’s not just homeowners who need this protection. Business properties in North Carolina can also be vulnerable to windstorm damage. Commercial wind and hail coverage helps protect:

• Roofs, signs, and storefront glass
• Outdoor inventory and equipment
• Loss of income if your business has to close after a covered event
  ‍

How Sizemore Insurance Helps

At Sizemore Insurance, we work with multiple carriers to find the right wind and hail coverage for your property. We:

• Review your current policy to identify any exclusions
• Explain your deductible options, including separate hurricane deductibles
• Compare quotes from trusted local and national carriers
• Customize coverage based on your property’s location and risk level

Whether you own a home in Wilmington, a vacation rental in Emerald Isle, or a storefront in Morehead City, we’ll make sure your coverage matches your needs.

Get a Quote for Wind and Hail Insurance in North Carolina

Don’t leave your property exposed to coastal storms. Start your wind and hail insurance quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.

‍