The Outer Banks (OBX) of North Carolina, known for its scenic beaches, historic sites, and unique...
Hurricane season in New Bern, NC, can bring heavy rain, flooding, and high winds. Protect your home with these essential hurricane preparedness tips, including insurance advice tailored for coastal homeowners.
New Bern Home Insurance Tips
Does Your Insurance Cover Hurricane Damage?
Standard homeowners insurance might not cover everything. While wind damage is often included, flood damage is not. Homes in New Bern and other coastal areas need additional coverage:
- Wind and Hail Coverage: Confirm that your policy protects against hurricane wind damage.
- Flood Insurance: Purchase a separate policy through the National Flood Insurance Program (NFIP) to guard against flood damage.
Review Your Personal Property Coverage
Ensure your policy protects valuables like furniture, electronics, and appliances. If you own expensive items, you might need extra coverage. Check if your policy includes protection for power outages or water backup damage, which are common during storms.
Hurricane Season Home Protection
Secure Windows and Doors
Install impact-resistant windows or storm shutters to shield your home from flying debris. Reinforce doors with heavy-duty hardware to prevent them from blowing open during storms.
Inspect Your Roof and Gutters
- Check your roof for loose shingles and make repairs as needed.
- Clear gutters and downspouts to help drain heavy rain and reduce the risk of water damage.
Prepare Your Yard
Trim trees and secure outdoor furniture to prevent property damage from high winds. This step can significantly reduce risks to your home.
Coastal NC Hurricane Insurance Advice
Understanding your insurance needs in a coastal area is essential. Harbor Insurance specializes in home insurance for hurricanes in New Bern. We can help you find the right policies for wind, hail, and flood protection, ensuring comprehensive coverage for your home.
Hurricane Preparedness Plan
Build an Emergency Kit
Stock supplies like water, food, flashlights, batteries, and a first-aid kit. Keep a waterproof bag with your insurance documents and contact numbers.
Document Your Property
Photograph your home and belongings before hurricane season. This helps speed up claims for property damages.
Know Your Deductibles
Hurricane deductibles in New Bern are often higher for windstorm-related claims. Review your policy so you’re prepared for potential out-of-pocket costs.
FAQs
Do I need special hurricane insurance in New Bern, NC?
Yes. Standard policies usually exclude flood coverage, so you’ll need additional protection through the NFIP.
How can I save on hurricane insurance?
Reinforce your home with storm-proof upgrades like impact windows and hurricane-rated doors. Many insurers offer discounts for these improvements.
What’s the waiting period for flood insurance?
Policies through the NFIP have a 30-day waiting period. Don’t wait until hurricane season to buy coverage.
Protect Your Home Today
Get expert help with your hurricane preparedness in New Bern, NC. Harbor Insurance offers personalized advice on flood and windstorm coverage to keep your home safe. Contact us today to learn how we can help protect your home and belongings this hurricane season.
