Should a buyer assume windstorm and hail coverage is automatic? (North Carolina State University)
DIRECT ANSWER
Source guidance recorded on 2026-10-15. Confirm the applicable policy year, cohort and property jurisdiction before relying on time-sensitive facts.
No. NC DOI says insurer underwriting guidelines may exclude windstorm or hail; ask the insurer about the specific policy and any separate coverage.
Sources & verification
- www.ncdoi.gov source-backed-recovered-record
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