N.C.G.S. §58-63-15 applies. You have 3 years to pursue underpaid claims. 3-year SOL from date of loss — act quickly.
Select the incident that happened to your business.
🔥 Kitchen Fire Fire & Smoke 🔥 Grease Fire Fire & Smoke 🔥 Hood & Duct Fire Fire & Smoke 🔥 Electrical Fire Fire & Smoke 🔥 Arson / Suspicious Fire Fire & Smoke 🔥 Structure Fire Fire & Smoke 💨 Smoke Damage Fire & Smoke 🔥 Wildfire / Brush Fire Fire & Smoke 🔥 Adjacent Building Fire Fire & Smoke 💧 Burst Pipe Water & Flood 🧊 Frozen Pipes Water & Flood 🏠 Roof Leak Water & Flood 🌊 Natural Flooding Water & Flood 💧 Sewer Backup Water & Flood 💧 Toilet / Drain Overflow Water & Flood 💧 Sprinkler Malfunction Water & Flood ❄️ HVAC / Condensate Leak Water & Flood 💧 Appliance Leak Water & Flood ⛈️ Storm Water Flooding Water & Flood 💧 Water Damage from Above Water & Flood 🌨️ Hail Damage Storm & Weather 💨 Wind Damage Storm & Weather 🌀 Hurricane Damage Storm & Weather 🌪️ Tornado Damage Storm & Weather ⚡ Lightning Strike Storm & Weather ❄️ Snow / Ice Load Storm & Weather 🧊 Ice Storm Storm & Weather 🌲 Fallen Tree Storm & Weather 🏚️ Earthquake Storm & Weather 🌡️ Hard Freeze Damage Storm & Weather 🔓 Burglary / Break-In Theft & Crime 🚨 Robbery Theft & Crime 🛒 Shoplifting / Retail Theft Theft & Crime 👤 Employee Theft Theft & Crime 🔧 Equipment Theft Theft & Crime 🚗 Vehicle Theft Theft & Crime ⚡ Copper / Metal Theft Theft & Crime 📦 Cargo / Freight Theft Theft & Crime 💳 Business Identity / Fraud Theft & Crime 🪟 Smash and Grab Theft & Crime 🎨 Graffiti Vandalism 🪟 Window / Glass Smash Vandalism 🚗 Vehicle Vandalism Vandalism 💥 Property Destruction Vandalism 🚨 Protest / Riot Damage Vandalism 🔥 Intentional Fire by Third Party Vandalism ⚠️ Customer Slip and Fall Slip & Fall 🧹 Wet Floor Slip Slip & Fall ❄️ Ice / Snow Slip Slip & Fall ⚠️ Uneven Surface Trip Slip & Fall 🚗 Parking Lot Fall Slip & Fall 🪜 Staircase Fall Slip & Fall 📦 Fallen Object Injury Slip & Fall 👷 Employee Slip and Fall Slip & Fall ⚙️ Equipment Breakdown Equipment ❄️ HVAC System Failure Equipment 🧊 Refrigeration Breakdown Equipment 🍖 Food Spoilage Equipment 💥 Boiler Explosion Equipment ⚙️ Compressor Failure Equipment ⚡ Electrical Equipment Damage Equipment 🏭 Forklift Accident Equipment ⚙️ Conveyor Malfunction Equipment 🍳 Oven / Fryer Failure Equipment 💻 POS / IT System Crash Equipment 🚚 Delivery Vehicle Accident Vehicle 🚗 Vehicle Hits Customer / Pedestrian Vehicle 🏢 Vehicle Hits Building Vehicle 🚗 Parking Lot Collision Vehicle 🏭 Loading Dock Accident Vehicle 🚐 Fleet Vehicle Accident Vehicle 🚗 Hit and Run (Business Vehicle) Vehicle 🏠 Roof Collapse Structural 🏢 Ceiling Collapse Structural 🏗️ Foundation Damage Structural 🧱 Wall Collapse Structural 🏢 Floor Collapse Structural 🪟 Glass Breakage Structural 📋 Signage Damage / Collapse Structural ⛺ Awning / Canopy Collapse Structural 🔒 Fence / Gate Damage Structural 🍄 Mold / Mildew Environmental ☣️ Asbestos Discovery Environmental 🎨 Lead Paint Environmental ⚗️ Chemical Spill Environmental 💨 Gas Leak Environmental 🛢️ Fuel Oil Spill Environmental ☣️ Soil Contamination Environmental ⚠️ Sewage Contamination Environmental 🔌 Power Outage Power & Utilities ⚡ Power Surge Power & Utilities 💥 Transformer Explosion Power & Utilities 🔌 Utility Line Damage Power & Utilities 💻 Ransomware Attack Cyber 🔐 Data Breach Cyber 💸 Wire / Transfer Fraud Cyber 💻 Website Hack Cyber 🏥 Employee Injury Employee ⚖️ Employee Lawsuit Employee 🚨 Workplace Violence Employee 🤒 Food Handler Illness Employee 🚫 Forced Closure Business Interruption 🏛️ Government Order Closure Business Interruption 📦 Supply Chain Disruption Business Interruption 🏢 Dependent Business Closure Business Interruption 🔌 Utility Failure Closure Business Interruption