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Where can I appeal my skyrocketing homeowners insurance rates, besides the company?

Wayne Faulkner

Unfortunately, the answer is … virtually nowhere.

North Carolina statutes do not provide for an appeal except through the courts. That already has been tried by a coastal group called NC-20 and the Williams Mullen law firm. Their attempt to get the homeowners insurance increase stayed was denied by Wake County Superior Court. However, an approved increase in “Beach Plan” rates for wind and hail has been stayed.

You can complain to your state representative or senator, or to the Department of Insurance directly. But the department and its commissioner approved the increases.

Although it’s probably small consolation, some companies do offer discounts if you have multiple policies. And of course, it may pay to shop around for other prices and try to negotiate with your company, which probably wants to keep you.

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