{"id":10485,"date":"2018-12-07T09:00:46","date_gmt":"2018-12-07T14:00:46","guid":{"rendered":"https:\/\/ncseagrant.ncsu.edu\/news\/?p=10485"},"modified":"2018-12-07T09:00:46","modified_gmt":"2018-12-07T14:00:46","slug":"making-repairs-for-wind-damage-check-for-insurance-incentives","status":"publish","type":"post","link":"https:\/\/ncseagrant.ncsu.edu\/making-repairs-for-wind-damage-check-for-insurance-incentives\/","title":{"rendered":"Making Repairs for Wind Damage? Check for Insurance Incentives"},"content":{"rendered":"<p><em>Above: The wind was too much for this workshop and garage in Washington, N.C. Photo taken in September 2011, by Marilee Caliendo\/<a href=\"https:\/\/www.fema.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">FEMA<\/a><\/em><\/p>\n<p>FOR IMMEDIATE RELEASE<\/p>\n<p><em>Contact:<\/em><br \/>\n<em>Spencer Rogers, 910-620-0590, <a href=\"mailto:rogerssp@uncw.edu\">rogerssp@uncw.edu<\/a><\/em><br \/>\n<em>Katie Mosher, 919-515-9069, <a href=\"mailto:kmosher@ncsu.edu\">kmosher@ncsu.edu<\/a><\/em><\/p>\n<p>As homeowners in North Carolina\u2019s coastal region begin making repairs for damages related to Hurricane Florence, they should be aware of insurance incentives to increase wind resistance by selecting construction options.<\/p>\n<p>\u201cInstalling wind-resistant features can protect buildings and potentially save homeowners money. Options to receive insurance rate credits for these protections are available through private insurance companies and state mandated wind pools,\u201d notes Spencer Rogers, North Carolina Sea Grant\u2019s <a href=\"https:\/\/ncseagrant.ncsu.edu\/program-areas\/coastal-hazards\/coastal-construction\/\" target=\"_blank\" rel=\"noopener noreferrer\">coastal construction specialist<\/a>.<\/p>\n<p>\u201cThe wind pools are presently offering free policy endorsements that may reduce costs when repairing or replacing roof coverings on certain buildings,\u201d Rogers explains in a <a href=\"https:\/\/ncseagrant.ncsu.edu\/wp-content\/uploads\/2018\/09\/WindInsuranceIncentivesMemo_Sept2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">memo now available<\/a> on the Sea Grant website.<\/p>\n<p>\u201cSpeak with your insurance agent and adjustor for details regarding your property,\u201d he adds.<\/p>\n<p>Since 2011, insurance rate credits have been available for wind-resistance features in coastal buildings, as the North Carolina General Assembly directed through the N.C. Department of Insurance. The goal was to develop discounts to encourage better wind-resistant buildings. These discounts are available in 18 coastal counties, and private insurance companies and the state-mandated wind pools are required to offer them.<\/p>\n<p>More recently, the N.C. wind pools have added pilot endorsements that may reduce costs when repairing or replacing roof coverings on certain coastal buildings.<\/p>\n<p>Rogers\u2019 memo provides background, and directs property owners to check other online sources for details, such as the <a href=\"https:\/\/www.ncjua-nciua.org\/DocLib\/uw\/Mitigation\/RN00190717.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">state\u2019s wind pools<\/a> and the <a href=\"https:\/\/disastersafety.org\/hurricane\/\" target=\"_blank\" rel=\"noopener noreferrer\">FORTIFIED home program<\/a> of the Insurance Institute for Business and Home Safety.<\/p>\n<p><em>This new release was originally published on Sept. 21, 2018.\u00a0<\/em><\/p>\n<p>##<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As homeowners in North Carolina\u2019s coastal region begin making repairs for damages related to Hurricane Florence, they should be aware of insurance incentives to increase wind resistance by selecting construction options.<\/p>\n","protected":false},"author":8,"featured_media":18976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ncst_custom_author":"","ncst_show_custom_author":false,"ncst_dynamicHeaderBlockName":"","ncst_dynamicHeaderData":"","ncst_content_audit_freq":"","ncst_content_audit_date":"","footnotes":""},"categories":[1393,1395,1],"tags":[],"_ncst_magazine_issue":[],"displayCategory":null,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Making Repairs for Wind Damage? 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