For Immediate Release: May 30, 2014

Don't Let Hurricane Season Catch You Off Guard

Insurance Commissioner Goodwin and DOI offer tips to help consumers prepare

RALEIGH -- Insurance Commissioner Wayne Goodwin wants to remind all North Carolinians to be prepared for the 2014 hurricane season, which begins June 1 and ends Nov. 30.

"You shouldn't wait until a storm is headed our way to prepare," said Goodwin. "Take the time to make sure you have adequate insurance coverage, create a home inventory and compile important documents in a safe place to be ready for hurricane season."

Consider these quick facts and insurance tips during your hurricane season preparation:

If you rent, you need insurance.

If you live in rental property, your landlord's insurance only covers the building. None of your personal belongings are insured unless you purchase your own renter's policy. Renter's policies are inexpensive and provide essential coverage in case of damage to your personal property.

Flooding is not covered unless you buy a flood insurance policy.

The standard homeowners policy does not cover damage caused by rising flood waters. Flooding can occur in any part of the state, from the mountains to the coast, and even if you are not in a flood zone, you may be at risk. Keep these things in mind:

Before a storm approaches, take these steps:

Learn more about preparing for a hurricane or disaster at or by calling the N.C. Department of Insurance at 1-800-546-5664.