NCJUA Roof Insurance Claims Explained

A Homeowner’s Guide to North Carolina’s Beach Plan (Coastal NC)

Many homeowners in coastal and high-wind zones of Eastern North Carolina are insured through North Carolina’s “last resort” property insurance system. In everyday conversation, people often say “NCJUA,” “the Beach Plan,” or “the wind pool” interchangeably—but those terms do not always refer to the same policy. And the claim process, deductibles, and coverage structure can differ meaningfully from standard homeowners insurance.

This guide explains how these policies generally work for roof damage, what to expect after a storm, and how to protect your claim with a clean, documentation-first process.

Fortitude Roofing serves coastal North Carolina, including Carteret, Craven, Onslow, Pender, Brunswick, and New Hanover counties.

Quick Answer: What Is NCJUA / Beach Plan Coverage for Roof Damage?

• NCJUA (FAIR Plan) is a market of last resort that provides basic property insurance in North Carolina (generally outside the statutory “Beach Area”). (NCJUA / NCIUA)
• NCIUA (Coastal Property Insurance Pool) is commonly the program associated with a separate Windstorm & Hail policy in coastal areas when wind/hail is excluded from the primary homeowners policy. (NC DOI)
• Roof damage is typically evaluated based on cause of loss (wind/hail from a specific event), not roof age alone—and percentage-based deductibles often apply to wind/hail or named storms. (NC DOI)
• Filing instructions often start with contacting your agent/producer and reporting the loss promptly; make only temporary repairs and document thoroughly.

Step 1: Confirm What You Actually Have (NCJUA vs NCIUA)

Before you do anything else, pull your Declarations Page and look for:

• NCJUA (FAIR Plan) or
• NCIUA (Coastal Property Insurance Pool / “Beach Plan” wind/hail structure)

Why this matters: In many coastal setups, wind/hail coverage can be written as a separate policy, and it carries a separate deductible. (NC DOI)

If your wind/hail coverage is separate, North Carolina DOI notes that eligibility for a Windstorm & Hail policy with NCIUA generally requires an active primary property policy with windstorm excluded. (NC DOI)

How Wind & Hail Deductibles Work (The Part That Surprises Homeowners)

Windstorm/Hail Percentage Deductibles

For many wind/hail losses, the deductible is a percentage of Coverage A (Dwelling) and is shown on your declarations page. (NC DOI)

Example math (simple):

• $300,000 Coverage A with a 2% wind/hail deductible → $6,000 deductible.

Named Storm Deductibles (Important Timing Rules)

North Carolina DOI defines a “named storm” as a formally named wind event (hurricane, tropical storm, tropical depression) and explains that named-storm deductibles apply during a defined window tied to watches/warnings/advisories. (NC DOI)

Practical implication: The same roof damage could fall under different deductible logic depending on how the event is classified and timed—so you want your date of loss and storm narrative to be clean and defensible.

Coverage Is Cause-Based, Not Condition-Based

A common homeowner misunderstanding is: “My roof needs replacement, so insurance should pay.” These policies typically care about why the roof needs work:

• Covered: storm-driven wind/hail damage tied to a specific event window
• Not covered (commonly): gradual deterioration, maintenance issues, and pre-existing conditions

Your job (or your contractor’s job) is not to argue preference. It’s to document whether the roof can be tied to a sudden event with storm-consistent patterns and a clear date-of-loss narrative.

How NCJUA/NCIUA Roof Claims Typically Work After a Storm

Here is a clean, defensible process most homeowners should follow:

1) Protect the property, but keep repairs temporary

NCJUA/NCIUA claim guidance emphasizes:

• report the loss as soon as possible,
• make necessary temporary repairs to prevent further damage,
• keep receipts,
• and do not make permanent repairs before the adjuster has reviewed the claim and given permission to restore the property.

2) Document the roof like a professional (slope-by-slope)

Capture:

• wide shots of each roof slope (front/back/left/right or N/S/E/W),
• close-ups of lifted tabs, creases, missing shingles, displaced ridge caps,
• flashing/penetrations and roof-to-wall transitions,
• collateral indicators (gutters, vents, screens).

NCJUA/NCIUA claim guidance explicitly recommends photos when safe and notes pre-loss photos can help.

3) Anchor a clean storm date narrative

In coastal NC, multiple storms can occur in a season. Avoid mixing multiple events unless your documentation clearly supports it.

4) File the claim using your policy instructions

NCJUA/NCIUA guidance directs policyholders to contact their Producer (insurance agent), and if unreachable, contact NCJUA/NCIUA directly.
North Carolina DOI also notes that even when wind/hail is written separately, the claim path typically starts through your insurer/agent structure to report the loss. (NC DOI)

5) Be present (or have your contractor present) for the adjuster inspection

This is where documentation matters. The goal is not confrontation—it is ensuring every slope and key damage pattern is reviewed.

Common NCJUA / Beach Plan Roof Claim Mistakes to Avoid

These errors routinely damage outcomes:

• Waiting for leaks to appear before inspecting (wind uplift damage can be subtle)
• Filing without understanding your wind/named-storm deductible exposure (NC DOI)
• Making permanent repairs before adjuster review/permission
• Weak documentation (no slope-by-slope photos, no storm-date narrative)
• Hiring contractors who cannot produce a disciplined evidence package

FAQ

Is NCJUA the same thing as the Beach Plan?

Not exactly. NCJUA is the FAIR Plan (basic property insurance market of last resort statewide, generally excluding the statutory “Beach Area”), while NCIUA is the Coastal Property Insurance Pool commonly associated with coastal wind/hail structures. (NCJUA / NCIUA)

Does the Beach Plan (NCIUA) cover roof replacement?

Potentially—if the roof damage is caused by a covered wind/hail event and the covered amount exceeds the applicable deductible. The deductible is often percentage-based. (NC DOI)

How do I know what my wind or named-storm deductible is?

Look at your declarations page. North Carolina DOI explains these deductibles are typically a percentage of Coverage A (Dwelling) and are shown on the declarations page. (NC DOI)

What should I do first after a storm if I think my roof is damaged?

Document safely, make temporary repairs if needed to prevent further damage, keep receipts, and report the loss promptly per policy requirements. Avoid permanent repairs before the claim is inspected.

Can my roofer decide what my policy covers?

No. Contractors can document conditions and provide construction scope rationale. Coverage and claim decisions are made by the carrier under the policy terms.

Fortitude Roofing’s Role With NCJUA / Beach Plan Claims

Fortitude Roofing can help homeowners by:

• inspecting roofs with a coastal exposure lens,
• documenting slope-by-slope conditions and storm-consistent patterns,
• building code-compliant, wind-resilient roofing systems.

We do not interpret policy language or make coverage decisions—our value is inspection quality, documentation quality, and build quality.

Author and Review

Reviewed by: Fortitude Roofing (Coastal NC)
Educational content only. Coverage, deductibles, and procedures are policy-specific. Always rely on your declarations page and policy documents for the controlling terms.