NCDOI ready to help hurricane victims in need, warns against fraud


RALEIGH, N.C. (WNCT) North Carolina Insurance Commissioner Mike Causey urges people victimized by Hurricane Dorian to stay strong, avoid being taken advantage of by dishonest contractors and scam artists, and allow the North Carolina Department of Insurance to assist with any insurance-related questions or concerns.

“Hurricane Dorian punished the North Carolina coastline with powerful wind and relentless rain and the Outer Banks are currently experiencing catastrophic flooding.  Right now, our focus is on helping people,” said Commissioner Causey. We want to help people connect with their insurance companies and NCDOI consumer assistance team who can answer questions and address concerns to help them file insurance claims so they can get their lives back on track as soon as possible.” 

Commissioner Causey urged victims of Hurricane Dorian to take photos of property damage. 

He also reminded property owners that homeowners’ policies generally do not cover damage caused by flooding.

That is covered under FEMA’s National Flood Insurance Program. 

However, there are FEMA programs that may help make up the difference between what insurance covers and the home’s value.

Currently, Commissioner Causey is working with state emergency officials to assess the damage before the recovery phase takes place. 

The Office of State Fire Marshal team is at the Emergency Operations Center in Raleigh deploying firefighters and equipment to assist where needed.

NCDOI is preparing to set up insurance camps and victim assistance centers, if needed. 

An insurance camp is where insurance companies set up at a central point to directly help clients or storm victims with claims.

Commissioner Causey noted that a catastrophe like Hurricane Dorian greatly magnifies the opportunity for fraud and abuse.

“Victims of the storm are under tremendous emotional stress, so the last thing you want to do is become a victim twice,” Commissioner Causey said. You can’t prevent yourself from becoming a victim of a natural disaster, but you can protect yourself from becoming a victim of insurance fraud.”

Commissioner Causey offered the following tips to remember before acting on a contractor’s offer for services:

— Beware of contractor or roofing representatives going door-to-door after a disaster, such as Hurricane Dorian.

— Call your insurance agent or insurance company before signing a contract or paying for repairs.

— Work with only licensed and insured contractors.

— Get more than one estimate. Don’t be pushed into signing a contract right away.–Get everything in writing. Cost, work to be done, time schedule, guarantees, payment schedule, and other expectations should be detailed.

— Require references and check them out.

— Ask to see the salesperson’s driver’s license. Write down the license number. Also, take down his or her license plate number.

— Never sign a contract with blanks. Fraudulent contractors may enter unacceptable terms later.

— Never pay a contractor in full or sign a completion certificate until the work is completed.

To report suspected fraud, contact N.C. Department of Insurance Criminal Investigations Division at 919-807-6840.

If you have any questions or concerns with your insurance needs, call the Department of Insurance at 855-408-1212 or visit us online at

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