Hurricane Preparation

Dated: 09/12/2018

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Be prepared.

People across the Triangle are preparing for Hurricane Florence.  Feel overwhelmed?  Here are some resources to help you navigate what you should be doing.

Always listen to local authorities regarding warnings and evacuations and call 911 in the event of an emergency.

Before the Storm

After the Storm

    American Red Cross (Get Help page)

    Basic Facts

    • The federal government offers insurance for direct flood and flood-related damage under the National Flood Insurance Program (NFIP).
       
    • Homeowners insurance policies do NOT cover flood or rising water damage.
       
    • Some auto insurance policies may cover damage to your vehicle; check with your insurance agent or company to see if your vehicle is covered.
       
    • Regulatory authority over NFIP flood insurance policies rests with the Federal Emergency Management Agency, not with the NC Department of Insurance.
       
    • Visit NCHurriClaims.com to access storm-related insurance information and disaster assistance resources.

    If I have storm damage, what should I do?

    • Contact your insurance agent or company as soon as possible to arrange a visit from an adjuster.
       
    • Before doing any repairs to your home, photograph and make  a list of the damage.
       
    • Protect your home from further damage by making temporary repairs only. Save any receipts for materials purchased for temporary repairs.
       
    • Do not have permanent repairs made until your insurance company has inspected your property, and you have reached an agreement on the cost of repairs.

    If you HAVE flood insurance:

    • Contact your insurance agent or company to file a claim.
    • Document your damaged property.
    • File a Proof of Loss with your insurer within 60 days of the flood.
    • Call the NFIP Call Center at 888-379-9531 for questions and assistance.
    • Helpful information and policyholder resources are available on the NFIP Flood Smart website.

    If you DON’T have flood insurance:

    • Call the FEMA Helpline at 800-621-3362 to apply for individual assistance and explore resources in your area (or visit DisasterAssistance.gov).

    How can I avoid being a victim of a scam?

      • Always deal with licensed insurance companies, agents and adjusters. Ask to see identification or call the Department of Insurance to check license status.
         
      • Do not sign any blank application or claims forms.
         
      • Don’t pay in cash for repairs; keep all your records and proof of payments.
         
      • Contact the NCDOI Criminal Investigations Division if you suspect someone of running a scam or defrauding the public so they can be investigated and prosecuted to the fullest extent of the law.
         
      • Call 888-680-7684 or visit NCDOI.com/EZ/ReportFraud
      Blog author image

      Michael Cunningham

      Michael Cunningham is a Real Estate Broker as well as the go-to tech and marketing wiz at Domicile Realty. A native of Tennessee, Michael arrived in Chapel Hill by way of Washington, DC where he help....

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