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NCDOI HurriClaims Center

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Before the Storm

Find out what you can do to prepare.

Collect and Review Important Documents

  • Gather important paperwork, including insurance policies, medical records, prescriptions, etc. Bring copies with you if you evacuate your home.
  • Know exactly what your insurance policy does and does not cover. Remember, no homeowners policy covers flooding. The only way to protect your property from flood losses is to purchase flood insurance from the National Flood Insurance Program; policies must be in place for 30 days before coverage takes effect. Contact your agent for more information. Further, some policies in North Carolina‚Äôs coastal areas may not cover wind-related damage.