NC Strengthen Your Coastal Roof Program for Homeowners

The NCIUA administers the Strengthen Your Coastal Roof program. A pilot program that will provide grants up to $6,000 for roof replacement with an IBHS FORTIFIED Roof™. The grant maximum is $6,000. Grants are limited and are allocated on a first-come, first-served basis until all available grant funds have been awarded. NCIUA policyholders who have an active and eligible Homeowners, Homeowners Windstorm or Hail, or Dwelling Windstorm or Hail policy with Coverage A (Building coverage) on property along the coast (rating territories 130, 140, 150, and 160) meet initial eligibility to receive a grant.

This pilot program is limited to policies written by the North Carolina Insurance Underwriting Association (NCIUA) / Coastal Property Insurance Pool. Policies written by the North Carolina Joint Underwriting Association (NCJUA) / FAIR Plan Dwelling Full Peril policies are not eligible for this Grant Program.

The program is designed to reduce storm damage and help homeowners build resilience against hurricanes and severe weather. Harbor Insurance Agency can help you understand the process and how certification can affect your premium.

How the Strengthen Your Coastal Roof Program Works

The NC Strengthen Your Coastal Roof program is run by the NCIUA. The grant maximum is $6,000. Grants are limited and are allocated on a first-come, first-served basis until all available grant funds have been awarded.

Eligibility Requirements

• NCIUA policy — NCIUA policyholders who have an active and eligible Homeowners, Homeowners Windstorm or Hail, or Dwelling Windstorm or Hail policy with Coverage A (Building coverage) on property along the coast (rating territories 130, 140, 150, and 160) meet initial eligibility to receive a grant.
• Allocation — Grants are limited and are allocated on a first-come, first-served basis until all available grant funds have been awarded.
• Amount — The grant maximum is $6,000.

What the Grant Covers

A pilot program that will provide grants up to $6,000 for roof replacement with an IBHS FORTIFIED Roof™. The goal is an official FORTIFIED certification from IBHS.

Application Process

1. Check eligibility through the NCIUA program materials or ask Harbor to walk through current requirements with you.
2. Submit your application with the property details the program requests.
3. If approved, a licensed contractor performs the roof upgrade.
4. An IBHS-trained evaluator inspects the completed work.
5. You receive your FORTIFIED Roof™ certificate. Certain mitigation credits (or discounts) may be available for qualifying homeowners insurance policies in North Carolina’s beach and coastal territories. The mitigation credits can provide premium discounts for wind and hail coverage on homes with qualifying construction features that help mitigate damage and insurance losses. To find out if your home could be eligible for discounts or mitigation credits, please contact your agent or insurance company.

How This Affects Your Insurance

Certain mitigation credits (or discounts) may be available for qualifying homeowners insurance policies in North Carolina’s beach and coastal territories. The mitigation credits can provide premium discounts for wind and hail coverage on homes with qualifying construction features that help mitigate damage and insurance losses. To find out if your home could be eligible for discounts or mitigation credits, please contact your agent or insurance company.