NC Dept of Insurance Message

Posted in: Madison Park


Tue, May 7 at 10:50 AM


A Message from Insurance Commissioner Mike Causey


Greetings! The National Weather Service has declared May 5-11 as Hurricane Preparedness Week. As the 2024 Atlantic Hurricane Season draws closer to us, a major question to ask is whether your home and belongings are protected in case a storm hits. The season will begin on June 1, and that date marks the start of a time when a hurricane or a tropical storm is most likely to form in the Atlantic Ocean due to the rise in water temperature. 


As a result, North Carolinians may feel the destructive power of high winds, torrential rains and massive flooding. And it’s not just coastal residents. The impact of a major storm can potentially impact everyone in North Carolina, regardless of where you live. Forecasters are predicting that the 2024 hurricane season will be especially busy, dangerous and potentially expensive to home and property owners.


It’s important to not be a victim!

The best time to prepare is now – protect yourself and your valuables before the seasons begins. It is also imperative to understand your home’s vulnerability so you can know how to shore up. Here are some tips:


  1. Do you have flood insurance? Even if you don’t live in a flood zone, your home may experience flood damage due to rising waters. It takes 30 days for a flood insurance policy to take effect, so contact your agent to enact your policy now.
  2. Update your insurance. Check your insurance policy ahead of the storm to see what is covered. Know where your insurance documents are located and take them with you in case you need to evacuate.
  3. Do you have an evacuation plan? Plan your route now and have an alternative. Leave when ordered to do so and communicate your plan with someone who is not in the storm’s path.
  4. Don’t forget your pets! Most local shelters do not permit them, so make sure there is a safe place for them as well.
  5. Is your home protected? Keep trees around your home trimmed to prevent damage from broken branches. Have the proper materials in advance to board up your windows to protect them from flying debris. Bring loose outdoor items such as patio furniture inside. Secure all doors on your property. Remember the garage door is usually the most vulnerable. Move your car inside a garage or to another secure location. Know where to take shelter in the interior portion of a well-built structure in case high winds or a tornado suddenly strike.
  6. Do you know how to access storm information? Tune to your trusted local news source – whether it is television, radio, phone apps or social media – and listen closely to local officials for guidance. You can also access information from or
  7. Put together an emergency kit. Check emergency equipment such as flashlights, generators and storm shutters. Have food, water and medicines ready to take with you in case of an evacuation.
  8. Make a home inventory. Take pictures of your home, valuables and other items to have on hand to show your agent in case of damage.


Remember “preparation time is never wasted time.” 


I encourage you to take time now to prepare for the upcoming hurricane season, so you won’t be caught off guard and lose the things most precious to you. 


For more information, visit

Mike Causey

N.C. Insurance Commissioner

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