NC · State Insurance Law

Commercial Insurance Claims in North Carolina

Know your rights under N.C.G.S. §58-63-15. North Carolina's 3-year SOL runs from the date of loss — act quickly to preserve your rights.

Analyze My NC Claim → Contact NC Dept. of Insurance ↗

⚠ Informational only. This page summarizes North Carolina insurance law for educational purposes. Not legal advice. Consult a licensed North Carolina attorney for your specific situation.

North Carolina Insurance Claim Law

Key StatuteN.C.G.S. §58-63-15

Bad FaithUnfair trade practices; UTPA claims

SOL (contract)3 years from date of loss

CommissionerNC Dept. of Insurance ↗

North Carolina's 3-year SOL runs from the date of loss — act quickly to preserve your rights.

All Incident Types — North Carolina

Select the type of incident that happened to your business.

Fire & Smoke Damage

Kitchen fires, electrical fires, structure fires, smoke and soot damage

Water & Flood Damage

Burst pipes, roof leaks, sewer backup, sprinkler malfunction, flooding

Storm & Weather Damage

Hail, wind, hurricane, tornado, lightning, ice storm, fallen tree

Theft & Burglary

Break-ins, robbery, employee theft, equipment theft, copper theft

Vandalism & Riot Damage

Graffiti, window smashing, property destruction, riot and civil unrest damage

Slip & Fall / Premises Liability

Customer and employee injuries on business premises, parking lot accidents

Equipment Breakdown

HVAC failure, refrigeration breakdown, boiler, electrical equipment, machinery

Business Interruption

Lost income during forced closure, government order shutdowns, utility failures

Structural Damage

Roof collapse, ceiling failure, foundation damage, wall collapse, glass breakage

Mold & Environmental

Mold damage, chemical spills, gas leaks, asbestos, contaminated soil

Power & Utility Failures

Extended outages, power surges, transformer explosions, utility line damage

Cyber Attacks & Data Breach

Ransomware, data breach, wire fraud, business email compromise

Vehicle & Auto Accidents

Company vehicle accidents, vehicles hitting your building, parking lot incidents

Employee Injury & Workplace Accidents

Workers compensation, employee lawsuits, workplace violence, employment practices

Food Spoilage & Contamination

Power outage food loss, refrigeration failure, food poisoning liability, health closure

General Liability Claims

Third-party bodily injury, property damage, advertising injury, product liability

Business Property Theft & Fraud

Internal fraud, check forgery, computer fraud, business identity theft

Restaurant & Food Service Claims

All insurance claims specific to restaurants, cafes, bars, food trucks, catering

North Carolina Cities

Local insurance claim guidance by city.

Charlotte Raleigh Greensboro Durham Winston-Salem Fayetteville