Wind and Hail Insurance: Protecting New Bern Homes

Living in New Bern, North Carolina, offers the charm of coastal living but also exposes your home to harsh weather, including windstorms and hail. Protecting your property from these elements is essential, and wind and hail insurance can provide the peace of mind you need. This guide will explain what wind and hail insurance covers, why it's important, and how to find the best options in New Bern.

What Is Wind and Hail Insurance?

Wind and hail insurance is specialized coverage that protects your home against property damage caused by high winds and hailstorms. These policies are especially important in areas like New Bern, where hurricanes, tropical storms, and severe weather frequently occur.

Do You Need Wind and Hail Insurance in New Bern?

Most standard homeowners insurance policies in North Carolina include coverage for wind and hail damage. However, in high-risk coastal areas, insurance companies may exclude wind and hail coverage. In such cases, you’ll need a separate windstorm insurance policy.

Signs You May Need Additional Coverage:

• Your policy specifically excludes windstorm and hail damage.
• You live in a designated wind pool area.
• Your roof or other structures are made of materials not rated as impact resistant.

Understanding Wind Damage Coverage in NC

Wind damage coverage typically pays for repairs caused by high winds, including:

• Roof damage and leaks.
• Structural damage to your home or other buildings on your property.
• Debris removal and cleanup.

This coverage can also help pay for temporary living expenses if your home becomes uninhabitable due to storm damage.

What Does Hail Insurance Cover?

Hail insurance policies in New Bern, NC, provide coverage for damage caused by hailstorms, such as:

• Damage to roofing materials, siding, or windows.
• Broken skylights or outdoor fixtures.
• Damage to detached structures like garages or storage sheds.

Using impact-resistant materials can reduce future damage and help lower your insurance premiums.

New Bern Windstorm Insurance Options

In New Bern, homeowners have several options for securing windstorm and hail insurance:

1. Private Insurance Companies
   Many private insurers offer wind and hail coverage as part of their homeowners policies or as an add-on.
2. North Carolina Insurance Underwriting Association (NCIUA)
   This state-run insurance pool provides policies for high-risk properties unable to secure private insurance.
3. Excess and Surplus Lines Insurance
   These policies cater to unique or high-value properties needing additional coverage.

Tips for Protecting Your Home from Wind and Hail

1. Upgrade Your Roofing Materials:
   Install impact-resistant shingles or metal roofing for enhanced protection.

2. Secure Windows and Doors:
   Use storm shutters or replace windows with impact-resistant glass.

3. Maintain Your Property:
   Regularly inspect your roof, siding, and other vulnerable areas for weak spots.

4. Consider Flood Insurance:
   Storm damage often overlaps with flood risks. Enroll in the National Flood Insurance Program (NFIP) for comprehensive protection​​.

Save with Bundling and Regular Reviews

To further ensure your home is safeguarded, consider bundling your wind and hail insurance with other policies like homeowners and flood insurance. Bundling can save you money while simplifying your coverage. Additionally, review your policy annually to account for changes in property value or potential risks. Insurance agencies in New Bern often offer discounts for proactive steps, like upgrading to impact-resistant roofing materials or installing storm shutters. These measures not only protect your home but also demonstrate your commitment to risk reduction, potentially lowering premiums. To get a quote from a local agent, click here.

FAQs About Wind and Hail Insurance in New Bern

1. Does wind and hail insurance cover hurricanes?

Yes, but many policies have specific hurricane deductibles. Review your policy carefully.

2. How can I lower my premiums?

Strengthen your home with wind-resistant upgrades and shop around with different insurance agencies in New Bern.

3. Do I need wind and hail insurance if I already have homeowners insurance?

If your homeowners policy excludes wind and hail, you’ll need a standalone policy for these risks.

How Harbor Insurance Can Help

Navigating wind and hail insurance in New Bern doesn’t have to be overwhelming. At Harbor Insurance, we work with trusted insurance companies to find the best coverage for your needs. Our experienced insurance agents will help you protect your home, giving you peace of mind before the next storm strikes.

Contact us today to explore your New Bern windstorm insurance options and ensure your home is fully insured.