NCJUA / NCIUA


	ANNOUNCEMENTS - NEWS AND MORE... Effective February 2025 NCJUA/NCIUA Producer Mailing February 2025 Click Here for details. Effective July 2025 NCJUA/NCIUA Producer Mailing July 2025 Click Here for details. Effective October 2025 NCJUA/NCIUA Producer Mailing October 2025 Click Here for details. Archives Expand All \| Collapse All 2024 Announcements Effective September 2024 NCJUA/NCIUA Consumer Service Portal and Lenderdock September 2024 Click Here for details. 2023 Announcements Effective August 2023 NCJUA/NCIUA Producer Operational Updates for August 2023 Click Here for details. Effective August 2023 DP 32 04 or HO 32 04 Refund Letter Click Here for details. Effective August 2023 PF 01 11 Endorsement Click Here for details. Effective August 2023 PF 01 11 Policyholder Letter Click Here for details. Effective October 2023 NCIUA Producer Operational Updates for October 2023 Click Here for details. Effective October 2023 NCJUA/NCIUA Operational Document for October 2023 Final Click Here for details. Effective December 2023 NCJUA/NCIUA Producer Operational Updates for December 2023 Click Here for details. 2022 Announcements Effective September 1, 2022 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. 2020 Announcements Effective August 7, 2020 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. 2019 Announcements Effective February 1, 2019 New Dwelling Fire and NCIUA Dwelling Wind Rates The Associations have adopted the Dwelling rules and rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. 2018 Announcements Effective October 1, 2018 New Homeowner and NCIUA Homeowner Wind Rates The Association has adopted the Homeowner and Homeowner Wind rules and rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statute 58-45-45. Effective January 1, 2018 New Commercial/NCIUA Commercial Wind Rates The Associations have adopted ISO (Insurance Services Office, Inc) Commercial Property Loss Costs approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. 2017 Announcements Effective November 29, 2017 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. Effective June 30, 2017 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. Effective June 7, 2017 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. Effective August 1, 2017 New Dwelling Fire and Dwelling Wind Rates The Associations will adopt the Dwelling rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. Effective January 1, 2017 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) Group I and Group II loss costs approved for usage in the state of North Carolina. 2016 Announcements Effective May 24, 2016 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. Effective May 5, 2016 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. 2015 Announcements Effective October 1, 2015 How to File a Claim for Joaquin Please refer to Storm Announcements and Instructions page. Effective December 1, 2015 New NCIUA Homeowner Wind Rates The Association has adopted the NCIUA Homeowner Wind rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statute 58-45-45. Effective November 01, 2015 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) Group I and Group II loss costs approved for usage in the state of North Carolina. Effective August 11, 2015 NCJUA/NCIUA Operational and Procedural Changes Click Here for details. Effective June 1, 2015 New Homeowner/NCIUA Homeowner Wind Rates The Association has adopted the Homeowner and NCIUA Homeowner Wind rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statute 58-45-45. Effective April 01, 2015 New Dwelling Fire Rates The Associations will adopt the Dwelling Fire rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. 2014 Announcements Effective April 01, 2014 New Homeowner and Homeowner Wind Policy Forms The Associations will adopt the Homeowner policy forms published by ISO and the North Carolina Rate Bureau and the corresponding NCIUA Homeowner Windstorm and Hail policy forms approved for usage in the state of North Carolina, pursuant to General Statute 58-45-45. Effective April 01, 2014 New Dwelling Fire Rates The Associations will adopt the Dwelling Fire rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. 2013 Announcements Effective July 01, 2013 New Homeowners/Homeowners Wind Rates The Associations will adopt the Homeowner and Homeowner Wind rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statute 58-45-45. Effective May 01, 2013 New Dwelling Fire Rates and Territories The Associations will adopt the ISO (Insurance Services Office, Inc) forms approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. ISO has also modified the rating structure for the exclusion of Vandalism Coverage under Rule 74.A.3.(b). The continuation policy packets will include a notice to the policyholder outlining coverage modifications, NP 00 15 or NP 00 16. Effective April 01, 2013 New Dwelling Fire Rates The Associations will adopt the Dwelling Fire rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina, pursuant to General Statutes 58-45-45 and 58-46-55. 2012 Announcements Effective October 01, 2012 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) loss costs approved for usage in the state of North Carolina Effective May 01, 2012 New Dwelling Fire Rates and Territories The Associations will adopt the Dwelling Fire rates published by the North Carolina Rate Bureau and approved for usage in the state of North Carolina. This change will only affect the Fire portion of the premium and generally is a decrease in rate; the Extended Coverage portion of the premium was not affected. In addition to this change, new territory assignments will be adopted to mirror the Homeowner territories that have been in place since 2009. You may refer to the North Carolina Rate Bureau website for further information at www.ncrb.org. Our Dynamic Web is in the process of being updated and we will update our website when this change is complete. 2011 Announcements Update February 11, 2011 Important Producer Notice On-line Declarations Feature Update As you know, on December 22, 2010, the on-line declarations feature was taken offline because of a program not routing documents properly. This fix is taking longer than anticipated and we hope that the feature will be available soon. Due to the technical issue with the on-line declarations feature, the Associations will NOT stop generating any paper declarations from being printed and mailed until all issues with this feature is resolved The Associations will provide at least 30 days notice before stopping any paper declarations from being printed and mailed. We will keep you posted on the progress and apologize for any inconvenience. Effective February 01, 2011 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) loss costs approved for usage in the state of North Carolina. In addition to this change a new limit of insurance relativity factor has been introduced to the rating calculations. ISO introduced these changes effective January 1, 2011; however, the Association will adopt with an effective date of February 1, 2011 for new and continued business. Please refer to your ISO Commercial Lines Manual for complete details regarding this change. Effective May 01, 2011 NCJUA/NCIUA Windstorm Mitigation Credits The NCIUA and NCJUA will adopt the mitigation program as developed by the North Carolina Rate Bureau for personal lines business. In addition, we have modeled a commercial lines program similar to the South Carolina Wind and Hail Underwriting Association (but our credits are different). Details regarding both programs will be announced closer to the implementation date of May 01, 2011. Effective January 01, 2011 NCIUA Payment Plan The NCIUA will begin offering a payment plan of quarterly or semi annual on January 01, 2011. We will post the finalized details of the plans closer to the January 01, 2011 implementation date. 2010 Announcements Effective September 01, 2010 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) loss costs approved for usage in the state of North Carolina. 2009 Announcements Effective September 01, 2009 New Commercial Rates The Associations will adopt ISO (Insurance Services Office, Inc) loss costs approved for usage in the state of North Carolina. Effective June 08, 2009 Announcement Single Adjuster Program 2009 The meetings for the "Single Adjuster Program" will not be scheduled during 2009. There have been no changes from 2008; and you may review the procedures on our website at www.ncjua-nciua.org under "Claims/Catastrophes". Instructions are provided for Member Companies, Producers and Independent Adjusters. If you have any questions, please contact our office and request to speak to Mario Marchese, Claim Manager. Effective May 20, 2009 Important Announcement The roll back changes for all policies affected by the surcharge increase and percentage deductibles, as outlined in our Announcement of April 15, 2009, have been completed. Effective April 28, 2009 Important Announcement We have corrected the Homeowner and Homeowner Windstorm and Hail continuation/renewal policies that were affected by ONLY a surcharge change effective February 1, 2009 through April 1, 2009. These changes have typically resulted in a return premium for the Policyholder. Because of the complexity of this issue, all return premium checks have been made payable to the Producer or Insured, and mailed to the Producer so that you could explain the situation further to your client upon return of the premium. Again, this was as a result of the surcharge change ONLY. We will begin correcting Homeowner and Homeowner Windstorm and Hail continuation/renewal policies affected by a surcharge change and percentage deductible effective April 1, 2009 or later, within the next few days. These changes have the potential to result in either additional premium due or return premium, depending on the deductibles that were previously in effect. These changes will be handled in the normal mailing process that you are familiar with by the Association. Effective April 15, 2009 Beach and Fair Plan Roll Back - Additional Information Additional Roll Back Information - Roll Back (PDF Format) Effective April 15, 2009 Important Announcement A legal challenge to increases in certain Beach and FAIR Plan deductibles and surcharges approved by the Commissioner of Insurance in November of 2008 is underway. The Commissioner approved these changes to be effective February 1, 2009. On March 20, 2009, the Wake County Superior Court stayed the Commissioner's approval of these changes and remanded the matter to the Department of Insurance to conduct proceedings to develop findings to support the Commissioner's decisions and create a record for appeal. Pending final resolution of the legal challenge, the Beach and FAIR Plans are proceeding to implement a roll back of the deductibles and surcharges to the levels that existed prior to the effective date of the Commissioner's approval of these changes. Staff is working with the Department of Insurance to accomplish this roll back promptly and fairly, and will correspond with those Beach and FAIR Plan insureds affected by the roll back to explain and implement all premium, deductible and claims adjustments that are required. This roll back does not apply to the North Carolina Rate Bureau's homeowners rate revision, which is to take effect May 1, 2009. Effective April 1, 2009 Update to Hurricane Coverage Writing Restrictions Recently the Board of Directors and Department of Insurance have approved a change in the Associations' Plan of Operations to modify the Hurricane Coverage Writing Restrictions to include a Named Storm. The new restriction rule will read as follows, as outlined in the Plan of Operations: No new or increased coverage shall be bound or application for new or increased coverage accepted after 12:01A.M. the following day when the center of a designated named storm is located within Longitudes 65º West and 85º West, and Latitudes 20º North and 37º North. The term "designated named storm" is a windstorm designated as a hurricane or tropical storm by the National Weather Service. Effective January 9, 2009 Important Commercial Deductible Buy-Back Program Update We have previously advised you of deductible changes for coastal and beach residential and commercial properties that the Commissioner of Insurance recently approved. It is vital for financial soundness considerations that the Beach Plan limit its exposure and stay within its intended mission of being the market of last resort. To this end, it has been determined that the existing commercial coverage deductible buy-back procedure is inconsistent with these higher deductibles and with the Beach Plan's overall mission. The new deductibles will take priority over the buy-back coverage until the Board of Directors reviews these matters. Therefore, effective immediately, the Association will not accept any new primary deductible buy-back coverage. The staff will process continuations that it has received pending staff's receipt of direction from the Board. We expect to non-continue (non-renew) existing buy-back coverage upon expiration of these policies, and this will be announced at a later date. Contact your Underwriter if you have any questions. Correction - Effective January 1, 2009 Commercial Lines Inflation Factor The Beach Plan will adjust the commercial lines automatic inflation factor to 2.5% according to the Consumer Price Index. Following the Consumer Price Index is the method approved for the Association on our automatic inflation factor program. 2008 Announcements Effective October 30, 2008 FAIR Plan Premium Finance Agreements FAIR Plan premium financed policies previously had any return premium sent to the Producer to add the commission and forward on to the Premium Finance Company. This sometimes added delays that were not acceptable to the Premium Finance Company. Effective October 30, 2008, the Association will begin returning the gross return premium for any cancellation requested by the Premium Finance Company directly to them. In return, we will bill the Producer directly for the return commission that is due the Association. This will only apply for cancellations that are requested by the Premium Finance Company. Any other type cancellation or return premium will be handled in the normal manner of a net return sent to the Producer that would require the addition of the return commission to the Policyholder. Effective September 8, 2008 Tropical Storm Hanna As a result of Tropical Storm Hanna, direct assignment on NCJUA/NCIUA full peril policies is being extended to all approved producers for the week of 9/8/08. Claims on wind-hail only policies must be reported to the member company for handling with a copy of the loss notice to NCJUA/NCIUA. Effective September 1, 2008< Residential Inflation Factor The Beach Plan will adjust the residential automatic inflation factor to 2.5% according to the Consumer Price Index. Following the Consumer Price Index is the method approved for the Association for our automatic inflation factor program. This will not affect windstorm and hail policies when the Member Company has provided a different inflation factor. Effective November 1, 2008 New Commercial Rates and Forms The Associations will adopt ISO (Insurance Services Office, Inc) rates and forms approved for usage in the state of North Carolina. Effective June 1, 2008 Dwelling 2002 Program The Associations have adopted the Dwelling 2002 program as required by General Statute. In addition the Dwelling Windstorm and Hail forms were updated to reflect the changes of the Dwelling 2002 program. Effective January 30, 2008 Urgent Beach Plan 1099 Update Your Agency's NCIUA ( Beach Plan ) 1099 may be incorrect. The commission paid to your Agency for November 2007 was correct but an error has been discovered in which the November 2007 commissions were doubled on your 1099. If your Agency did not receive any Beach commissions in November 2007 your 1099 should not be affected. However, the Beach Plan is working as quickly as possible to reissue 1099s to ALL Agencies. If your Agency needs to determine its income for the Beach Plan prior to receiving the corrected 1099, you can subtract your total commission for November 2007 from your 1099 total. If you have any questions you can contact the following staff members of the NCIUA: Christine Allen Extension 4401 Petra Strickland Extension 4402 Roger VanOstrand Extension 4403 NCIUA apologizes for any inconvenience to your Agency. Please make sure this email gets to the appropriate person in your Agency. 2007 Announcements Effective October 1, 2007 New Commercial Rates The Associations will adopt the rates approved for usage by ISO (Insurance Services Office, Inc) in the state of North Carolina. Reminder June 19, 2007 Direct Assignment Authority - Catastrophe As a reminder, if you have not submitted your request for direct assignment authority please do so immediately. You may find the necessary form in the Claims/Catastrophe section of our website. If you have any questions feel free to contact the Claim Department. Effective May 1, 2007 New Homeowner and Homeowner Windstorm and Hail Rates The Beach Plan will be adopting the new Homeowner Rates as published by the North Carolina Rate Bureau effective May 1, 2007. The Dynamic Web was updated with these new rates on March 1, 2007. Reminder March 1, 2007 Dynamic Web Application Requirements The Dynamic Web Agreement stipulates that the producer will maintain a copy of the uploaded application with the required signatures. The application copy that should be saved is the one you print to have your client sign. Keeping the Signature Page only and attaching it to the final uploaded application does not comply with the Dynamic Web Agreement. If you have any questions regarding this requirement, please contact your Underwriter. Effective January 23, 2007 Beach Plan Photograph Requirements As a reminder, photographs of the structure(s) insured are required by the Association for both full peril and windstorm and hail policies. The Dynamic Web Application indicates the policy will be cancelled if photographs are not received within thirty (30) days. You may upload a photograph at time of application by attachment. For issued policies you may send via the Dynamic Web under the " Send a File or Photo Electronically " option. 2006 Announcements Effective September 15, 2006 Ernesto Producer Claim The authority period for direct claim assignment by the producer has expired. Effective December 1, 2006 New Commercial Rates The Associations will adopt the rates approved for usage by ISO (Insurance Services Office, Inc) in the state of North Carolina. Effective September 1, 2006 Dwelling Fire and Dwelling Wind Rate Change The Associations will adopt the rates approved for usage by the North Carolina Rate Bureau. Dwelling 89 rates are available from ISO (Insurance Services Office, Inc). August 31, 2006 Important Information - ERNESTO If Ernesto is a Hurricane when it hits land today, Hurricane Catastrophe Procedures will apply. Click Here for Catastrophe Procedures. If Ernesto is a Tropical Storm at the time of landfall today, Hurricane Catastrophe Procedures will not apply as it pertains to reporting to Member Insurers; however, the Associations are authorized direct assignments by Producers to one of the approved Independent Adjusting Firms listed on this web site for one week following the storm's landfall. June 16, 2006 Association Zip Code Change Effective July 1, 2006 - New Zip Code For Street Address. The United Postal Services will change the zip code of the Associations' street address effective July 1, 2006. The zip code will change from 27511 to 27518. 5651 Dillard Drive Cary, NC 27518 The zip code for the Associations' post office box will not change. It will remain 27512. PO Box 8009 Cary, NC 27512 2005 Announcements October 1, 2005 Producer Download Available Effective October 1, 2005 the Associations will begin to accept request for Producer Download. (Request Form) October 1, 2005> New Deductible Requirements The Association has received approval from the Department of Insurance to implement the following deductible minimum requirements beginning October 1, 2005, for New Business submissions and Continuation applications processed October 1, 2005, for future effective dates. (Producer Notice) August 1, 2005 Online Credit Card Payment Effective August 1, 2005 the Associations will begin to accept online credit card payments. The Associations will only accept MasterCard and Visa credit cards. July 19, 2005 New Business Income Limit Effective immediately, BEACH Plan Business Income maximum available limit has been increased to $300,000. Please contact our Commercial Department for further details. May 6, 2005 New Rates Effective August 1, 2005, the Commercial, Homeowner and Homeowner Windstorm and Hail lines of business will implement the approved rate increases be the Department of Insurance. Please refer to ISO or the NCRB for details on the approved rates.