Hurricane Florence - Click on the tabs for more information.
- *FEMA Information
- *Town Inspections
- *Manufacture Homes
- *Oceanfront Homes/Concrete
- *Insurance Camp
- *RV Usage
- *Recreational Water Quality
- *Beach Reopening & Rebuilding
- *Wind Insurance Incentives
- *Debris Pickup
CAMA - State of NC Division of Coastal Management
Oceanfront deck and beach access repair.
No permit necessary.
The ONLY thing that can be built on the oceanside of the vegetation line is a stairway down to the beach.
If they have an existing deck or walkway, it can remain and stairs can be built off of it.
If their walkway was totally destroyed the farthest they can come toward the ocean is top of dune and build a stairway directly down to the beach.
If the house had a deck on the oceanside that has been destroyed and it is now seaward of the vegetation line, the ONLY thing they can build is a 6x6 platform at the door level and a stairway directly to the beach.
For more questions please call Jason Dail at 910-796-7221 or email at firstname.lastname@example.org.
This will be CLOSELY monitored for compliance over the coming months.
FEMA Specialists to Offer Mitigation Tips at Surf City Lowe’s in Hampstead
Release date: December 7, 2018 Release Number: R4 DR-4393-NC NR 096
RALEIGH, N.C. – Disaster survivors can get tips and advice on how to rebuild stronger against future storm damage at the Surf City Lowe’s in Hampstead from Dec. 10 through Dec. 28, with the exception of Christmas Day.
FEMA flood mitigation specialists can answer questions about home repair, making disaster plans, putting together supply kits and the importance of flood insurance.
Mitigation is the effort to reduce the loss of life and property damage by lessening the impact of future disasters. The mitigation specialists will be available at:
Surf City Lowe’s
106 Wilkes Lane
Hampstead, NC 28443
Monday, Dec. 10 through Friday, Dec. 28, 2018
from 8 a.m. to 6 p.m.
Except Christmas Day
More mitigation events will be held at home improvement stores in disaster-affected North Carolina counties in the coming weeks.
Next to Don Williamson Nissan
312 Western Blvd.
Jacksonville, NC 28546
Hours: Monday through Saturday, 9 a.m. to 7 p.m. ET
Sunday, 9 a.m. to 1 p.m. ET
Pender County Agricultural Building Auditorium
801 S. Walker St.
Burgaw, N.C. 28425
Open: Monday through Saturday, 9 a.m. to 7 p.m. local time, until further notice
- Hazard Mitigation
- Housing Assistance
- FEMA Other
- National Emergency Family Registry/Locator
- Web Registration
- Other Needs Assistance
- Small Business Administration Home Loan
- Federal Other
- Disaster Unemployment Assistance
- State Health Services
- Aging/Senior Services
- State/Local Other
- State Housing Services
- Fax, Copy, Phone use
- Legal Referrals
- Volunteer Organizations
- General Information
Below are three steps you can take to begin the recovery process, plus step-by-step guidance to walk you through the claims process for Hurricane Florence. More information by reading What to do After the Flood.
- DETERMINE YOUR FLOOD LOSS AND REPORT YOUR CLAIM: Once it’s deemed safe by local officials, and you ensured the gas and electricity lines have been turned off, examine your property to determine if there is flood damage. If there is, contact your agent or insurance company to start your flood insurance claim and ask for an Advance Payment to help you begin recovering.
- START CLEANING UP, BUT DOCUMENT YOUR DAMAGE FIRST: Be sure to document your flood loss using photos and videos before you start cleaning up your home. Please keep in mind that as a FEMA flood insurance policyholder, it is your responsibility to minimize the growth and spread of mold as much as possible. Learn more about the Guidelines for Flood Clean Up for NFIP Policyholders.
- FILE FOR FEMA DISASTER ASSISTANCE: If there is a FEMA Presidential Disaster Declaration, file for FEMA assistance too because you may be eligible for additional funds to help with things like temporary housing. Read more about why it can be beneficial to register for federal disaster assistance from FEMA.
Hurricane Florence Claims Process Steps:
STEP 1: Start the Claims Process
After experiencing a flood, contact your agent or insurance company to start a claim and consider requesting an Advance Payment so you can start recovering as soon as possible. Make sure you have the following information handy when speaking to your agent or insurance company:
- Policy Declarations page (official document detailing your flood insurance coverage), if available
- How you can be reached: Telephone phone number or alternate contact number; email address
- The insured property location
- The name of any mortgage company(s)
An adjuster should contact you within a few days of starting your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.
STEP 2: Prepare for your inspection
Before entering, make sure it’s safe to re-enter the building. Take as many photographs and videos of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels, both inside and out, before you remove anything. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
- For items like washers & dryers, hot water heaters, kitchen appliances, televisions, and computers, make sure you take a photograph of the make, model, and serial number.
- For your building items (e.g., flooring), retain samples such as carpet, wallpaper, and drapes for your adjuster’s inspection.
- Immediately throw away flooded content items that pose a health risk, such as perishable food items, clothing, cushions, pillows, etc. after photographing them.
- Contact repair services if the building’s electrical, water, or HVAC systems are damaged. It’s important to consult your adjuster or insurance company before you sign any agreement/contract with a cleaning, remediation, or maintenance contractor.
STEP 3: Work with your Adjuster
When your claims adjuster shows up, they should show you their official identification (Driver’s License and Company ID or Flood Control Number [FCN card]). They should also provide you with their contact information, such as their name, email, phone number, and the name of their adjusting firm, and their telephone number. When meeting with you, your adjuster should cover the following:
- An explanation of the NFIP Flood Claims Process.
- An inspection of your property—during which he/she will scope your loss by taking measurements and photos.
- An explanation of what an Advance Payment is and how or if you can get one.
Information about how you should present your loss to your insurance company and a discussion about your policy coverage.
Read Important Information After Your Inspection to help prepare you for the visit.
STEP 4: Document Your Loss and Receive Payment
Your adjuster will help you document your flood damage for the claim. Here are some things you can do to support the claims process so it goes smoothly:
- Speak with your agent about your insurance policy, what it covers and read the Claims Handbook.
- Provide the photos and videos of your flood loss to your adjuster. It can be helpful to organize these by room.
- Keep documents showing how you repaired or replaced flood damaged items, such as receipts, bank statements, and contractor’s invoices. Provide these documents to your adjuster.
The adjuster will work with you to submit an accurate estimate of your flood loss. Be sure you ask your insurance company about any important deadlines you need to meet. This will help ensure you receive a claim payment that reflects your flood loss, within your policy limits.
Unsatisfied With Your Claim Payment?
Your flood insurance company is committed to ensuring that you receive the full amount you are entitled to under your flood policy. If you receive a letter from your flood insurance company denying all or part of your claim, or you would like to request an additional payment, you have several options to help make sure you receive the full amount due under your policy.
Other Flood Claim Resources for Hurricane Florence
- FEMA's Hurricane Florence web page has additional important information, including information about how to register for FEMA disaster assistance. FEMA may be able to help you with temporary housing, for example, that is not covered by your NFIP flood insurance policy. It's a good idea to register with FEMA, even if you have NFIP flood insurance.
- There is also rumors page where FEMA is providing the facts about misleading or incorrect information you may be hearing.
- Here's some information about Rebuilding After Hurricane Florence
No Permits required:
Remove Repair & Replace:
Permits ARE required:
North Carolina Department of Insurance
Manufactured Building Division
1202 Mail Service Center
Raleigh, NC 27699-1202
Concrete under homes will not be able to be replaced if seaward of the vegetation line.
The Department of Insurance will be hosting an Insurance Camp, where citizens of Pender County can come to get information, file claims, and ask questions of insurance carriers in the wake of Hurricane Florence. The Camp will be located at the Lowe’s Home Improvement Center, 106 Wilkes Lane E, Hampstead on Thursday, September 27 from 9:00 am – 6:00 pm. Numerous insurance companies as well as the Department of Insurance will be on hand to assist
5.5 Parking storage or use of major recreational equipment.
For the purposes of these regulations, major recreational equipment is defined as including boats and boat trailers, recreational vehicles, pickup campers or coaches (designed to be mounted on automotive vehicles), motorized dwellings, tent trailers and the like, and cases or boxes used for transporting recreational equipment, whether occupied by such equipment or not.
No major recreational equipment shall be used for living, sleeping, or housekeeping purposes unless it is located in a campground being legally operated under this ordinance or its owner has been issued a temporary use permit, as provided in this section, for use on (in the case of land-based equipment) or at (in the case of a boat) a residential lot. This provision is intended to limit living, sleeping, and/or housekeeping use of major recreational equipment to permitted campgrounds and to temporary visitors to residential homes.
N.C. Division of Marine Fisheries • 3441 Arendell Street • Morehead City, NC 28557 • 252-726-7021 or 800-682-2632
Beach Reopening & Rebuilding: A contractor was hired through the Town to complete a number of projects: 1. Clearing roadways of sand and debris. 2. Removing Construction & Vegetative Debris piled by residents for pick up. 3. Cleaning the Beaches of Debris and Replenishing Sand. 4. Dune Rebuilding.
Due to the severe damage and the large amount of debris on the beaches, they can not give a specific date of when the beaches will reopen. The contractors explained that there are several steps involved before the beaches can reopen and it could take at least 120 days to complete.
Sand being dozed off the roadways must be sifted to remove foreign objects before returning to the beach. They have already started this operation. They must also remove all of the remaining large debris from the beaches and dunes, sift and rake all of the sand to remove smaller objects, then engineered sand will be trucked onto the island to rebuild the beaches and dunes.
Long term plans are also in effect to recreate the beaches as an "engineered beach" similar to Topsail Beach, where the dunes and vegetation have been successful. In recent years, Surf City has always pushed sand to rebuild dunes, but storms and natural tides take a toll on them.
Debris Pickup: Crews have already began picking up debris piles and vegetation and will continue over the next couple of months. They will do several clean ups, so even if they pick up your initial pile, you can continue to set items on the curb for a later pick up.
Debris Removal-cutoff date for debris placement will be Nov. 30th.
If you have any vegetative, construction and demolition debris, white goods, and/or electronic waste, please have all of this out in the right of way prior to Nov. 30th. Please make sure that all debris is placed in accordance with FEMA guidelines to ensure proper collection. Please refer to the included diagram showing proper placement.
Household Hazardous Waste (HHW) by November 30th
Debris removed from Beach by November 15th
Construction & Demolition (C&D) by December 21st.
Please remember these are estimates and subject to change due to amounts of materials still be placed out.