Flood & wind
NCJUA / NCIUA (NC FAIR & Coastal Property) insurance in North Carolina through an independent agent
The North Carolina Joint Underwriting Association (FAIR Plan) and the North Carolina Insurance Underwriting Association (Coastal Property Insurance Pool, often called the Beach Plan) are state-created associations that provide property coverage when it is not available in the regular market, including wind and hail along the coast.
Who NCJUA / NCIUA (NC FAIR & Coastal Property) may suit
Property owners, especially in North Carolina’s coastal counties, who need wind and hail or basic property coverage the regular market won’t provide.
How quoting through us works
- Tell us what you want to insure with a quick quote request, a call or a text.
- If the regular market can’t provide the coverage you need, we help you apply through NCJUA / NCIUA (NC FAIR & Coastal Property).
- We lay the options side by side, explain the differences in coverage and price, and you decide. There’s no fee for our quote.
- After you buy, we stay your point of contact for changes, renewals and claim help.
Availability depends on the coverage, your location and underwriting. Shadow Lake Insurance is an independent agency and is not NCJUA / NCIUA (NC FAIR & Coastal Property). Company names and logos belong to their owners.
Lines NCJUA / NCIUA (NC FAIR & Coastal Property) writes
- FAIR Plan property coverage (NCJUA)
- Coastal Property / Beach Plan wind and hail and homeowners coverage (NCIUA)
Visit NCJUA / NCIUA (NC FAIR & Coastal Property)’s website ↗
FAQ
NCJUA / NCIUA (NC FAIR & Coastal Property) questions
Can I buy NCJUA / NCIUA (NC FAIR & Coastal Property) insurance through an independent agent in North Carolina?
Shadow Lake Insurance works with NCJUA / NCIUA (NC FAIR & Coastal Property). Whether a policy is available depends on the coverage, your location and underwriting, and we’ll tell you up front.
What does NCJUA / NCIUA (NC FAIR & Coastal Property) offer?
Lines we may be able to access include: FAIR Plan property coverage (NCJUA), Coastal Property / Beach Plan wind and hail and homeowners coverage (NCIUA). Specific products, forms and eligibility vary by state and can change, so we confirm details when we quote.
Will you only quote NCJUA / NCIUA (NC FAIR & Coastal Property)?
No. As an independent agency we compare NCJUA / NCIUA (NC FAIR & Coastal Property) with other insurance companies we represent so you can see more than one option.
How do I contact NCJUA / NCIUA (NC FAIR & Coastal Property) for a claim or bill?
See the claims and billing contacts on our Insurance Companies page, or call us at (276) 597-9844 and we’ll help.