In Southeastern North Carolina, we often joke that we have four seasons: Spring, Summer, Fall, and "Is that a hurricane?"

While the Atlantic hurricane season officially runs from June to November, the preparation season starts now. For homeowners in Wilmington, Hampstead, and the barrier islands, the single most expensive mistake you can make is ignoring your insurance policy until a storm is named.

By the time the Weather Channel is broadcasting from Wrightsville Beach, it is too late. Once a named storm enters the "NC Box" (specific coordinates in the Atlantic), insurance carriers issue a Binding Moratorium, meaning you cannot change, add, or buy coverage until the storm passes.

Before the season heats up, pull out your policy’s Declarations Page ("The Dec Page") and check these three critical numbers.

1. The "Named Storm" vs. "Wind/Hail" Trap

In our region, you likely have two different deductibles, and knowing the difference could save you thousands.

All Perils Deductible: This is for fire, theft, or a pipe bursting. It is usually a flat fee (e.g., $1,000 or $2,500).

Named Storm Deductible: This applies only when the damage is caused by a weather event named by the National Weather Service (e.g., "Hurricane Helene").

Wind/Hail Deductible: This applies to non-named storms, like a severe summer squall or a nor'easter.

The Trigger Warning: In North Carolina, the "Named Storm" deductible is often triggered as soon as a Watch or Warning is issued for any part of the state—not just when the storm hits. If a Tropical Storm Warning is issued for South Carolina but covers Brunswick County, your higher deductible might kick in.

2. The Math of Percentages

Most coastal policies now use percentage-based deductibles for wind events, ranging from 1% to 5%.

The Trap: Many buyers assume this means "1% of the repair cost." It does not. It means 1% of your Dwelling Coverage (Coverage A).

The Reality: If your home in Porters Neck is insured for $600,000 and you have a 2% Named Storm Deductible, you are responsible for the first $12,000 of damage before the insurance company pays a dime.

Action Step: Check your Coverage A limit. Do the math. Do you have $12,000 in liquid savings? If not, call your agent to see if you can buy down that deductible to 1% or a flat rate (though your monthly premium will rise).

3. The "Wind Pool" Roof Age Rule

If your wind coverage is through the NCIUA (The Wind Pool)—which is common for beach homes in Topsail and Oak Island—pay close attention to your roof age.

The New Reality: As of 2025, underwriting standards have tightened. If your roof is approaching 15–20 years old, you may be ineligible for renewal or forced into a higher deductible plan unless you can provide a "Roof Certification" proving it has 5+ years of life left.

The Fix: If you need a new roof, ask about the "Fortified Roof" endorsement. Installing a roof to IBHS Fortified standards can grant you massive insurance credits and potentially qualify you for state grants (like the "Strengthen Your Coastal Roof" program).

4. The "Deductible Buy-Back" Option

For high-value homes (common in Landfall or Figure Eight Island), a 2% deductible can be financially painful ($2M home = $40,000 deductible).

The Strategy: Ask your broker about a "Deductible Buy-Back" policy. This is a separate, smaller policy that covers your primary deductible. It costs extra, but it ensures you aren't writing a massive check after a storm.

Don't Navigate the Fine Print Alone

Insurance is not just a monthly bill; it is the safety net for your largest asset. A "cheap" policy often has a hollow bottom.

At Aspyre Realty Group, we believe a great real estate agent doesn't just sell you a house; they help you protect it. We have a vetted network of local insurance brokers who understand the specific wind risks of New Hanover, Pender, and Brunswick counties. If you are unsure what your "Dec Page" actually means, let us connect you with a pro who can explain it in plain English.

Let’s ensure your coverage is ready before the wind starts blowing.