North Carolina Insurance Underwriting Association (NCIUA) is a non-profit underwriting association engaged in writing essential property insurance established by Article 45 of Chapter 58 of the North Carolina General Statutes. NCIUA is not an agency or facility of the State of North Carolina. No federal, state or local funds are used to support or subsidize NCIUA operations.
The NCIUA, in accordance with statute and its plan of operation, and supported by the North Carolina Commissioner of Insurance, pursues mitigation efforts in North Carolina's beach region to increase the resiliency of property against catastrophic wind events. As such, the NCIUA has introduced endorsements for policies in select territories in the coastal regions of North Carolina to potentially benefit from mitigation credits. NCIUA's program is designed to improve the resiliency and weather-resistance of properties insured by NCIUA. The program provides coverage to offset some of the replacement costs for qualified roofs to the Insurance Institute for Business & Home Safety ("IBHS") "FORTIFIED Home™ with new roof cover" standard, subject to policy terms and conditions.
IBHS is an organization that sets the standards required to obtain the IBHS designation FORTIFIED Roof™. FORTIFIED Home™ utilizes engineering and building standards developed by IBHS to mitigate wind-related hurricane damage and includes evaluation and inspection requirements to ensure the technical standards are properly implemented, resulting in the designation of a home as meeting the FORTIFIED Roof™ requirements. For more information, see the IBHS website at IBHS.org.
NCIUA's coverage is available for policyholders whose policy contains an appropriate IBHS endorsement. The following endorsements offer the IBHS upgraded roof:
This endorsement does not guarantee eligibility. Please see endorsement for additional details.
$5,000.00 limit includes FORTIFIED Upgrade Materials and cost of third-party evaluator.