NORTH CAROLINA
Roofing supplement and appraisal clause resources for North Carolina contractors and homeowners.
APPRAISAL CLAUSE IN NORTH CAROLINA
North Carolina requires appraisal provisions in property insurance policies. The NC Department of Insurance provides guidance on the appraisal process, which has proven effective for resolving claim disputes. North Carolina courts generally favor enforcement of appraisal clauses.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN NORTH CAROLINA
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in North Carolina:
Coastal hurricane damage is often underscoped for wind vs. flood damage
Mountain region roofing costs are higher than Xactimate regional pricing
Historic home repairs require specialized materials often not in Xactimate
Code upgrades for coastal construction are frequently omitted
COMMON STORM TYPES
NORTH CAROLINA TIPS
- NC has separate wind and flood insurance requirements in coastal areas
- Document the difference between wind and flood damage carefully
- Mountain areas experience different storm patterns than the coast
- NC has specific requirements for coastal construction and repairs