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HURRICANE IRMA | Resources

"Extremely dangerous" Hurricane Irma strengthened to a Category 5 storm Tuesday morning, the National Hurricane Center said, with sustained winds of 175 mph. The storm could hit Florida, Georgia or the Carolinas, or even head into the eastern Gulf of Mexico. While the track is still uncertain, the time to prepare is now. Here are some resources that may be helpful to you before and after the storm.

Please stay tuned to your local government agency websites and news channels for additional information.

 

NEWS

Duke Energy power outages

National Weather Service

 

PREPARE

Guide to Preparing for Emergencies

Family Emergency Plan

Emergency Supplies Kit

American Red Cross (Get Help page)

ReadyNC

Download the free ReadyNC Mobile App

 

RECOVER

A Disaster Recovery Plan,” by REALTOR® Mag

American Red Cross (Get Help page)

Register for Federal Assistance

FEMA Disaster Assistance

NC Attorney General's Office Storm Scams Alert

NC Department of Insurance "NC Hurri Claims"

Additional Resources (Rep. David Rouzer)

NCHousingSearch.org (helps locate available, affordable rental housing)

 

BASIC FACTS

  • The federal government offers insurance for direct flood and flood-related damage under the National Flood Insurance Program (NFIP).

  • Homewners insurance policies do NOT cover flood or rising water damage.

  • Some mobile home policies do provide flood coverage; check with your insurance agent or company to see if you're covered.

  • Some auto insurance policies may cover damage to your vehicle; check with your insurance agent or company to see if your vehicle is covered.

  • Regulatory authority over NFIP flood insurance policies rests with the Federal Emergency Management Agency, not with the NC Department of Insurance.

  • Visit NCHurriClaims.com to access storm-related insurance information and disaster assistance resources.

If I have storm damage, what should I do?

  • Contact your insurance agent or company as soon as possible to arrange a visit from an adjuster.

  • Before doing any repairs to your home, photograph and make  alist of the damage.

  • Protect your home from further damage by making temporary repairs only. Save any receipts for materials purchased for temporary repairs.

  • Do not have permanent repairs made until your insurance company has inspected your property, and you have reached an agreement on the cost of repairs.

If you HAVE flood insurance:

  • Contact your insurance agent or company to file a claim.

  • Document your damaged property.

  • File a Proof of Loss with your insurer within 60 days of the flood.

  • Call the NFIP Call Center at 888-379-9531 for questions and assistance.

  • Helpful information and policyholder resources are available on the NFIP Flood Smart website.

If you DON’T have flood insurance:

  • Call the FEMA Helpline at 800-621-3362 to apply for individual assistance and explore resources in your area (or visit DisasterAssistance.gov).

How can I avoid being a victim of a scam?

  • Always deal with licensed insurance companies, agents and adjusters. Ask to see identification or call the Department of Insurance to check license status.

  • Do not sign any blank application or claims forms.

  • Don’t pay in cash for repairs; keep all your records and proof of payments.

  • Contact the NCDOI Criminal Investigations Division if you suspect someone of running a scam or defrauding the public so they can be investigated and prosecuted to the fullest extent of the law.

  • Call 888-680-7684 or visit NCDOI.com/EZ/ReportFraud

 

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