Issues

The North Carolina Homeowners Alliance has several core issues that are important to both the finances and quality of life for homeowners. Throughout the year, we keep homeowners updated through our newsletter and on social media. Below are the most recent issues that we have worked on with policymakers to find solutions for homeowners.

Homeowners Insurance Rates

North Carolina’s insurance companies keep proposing massive, unnecessary increases to homeowners insurance premiums. The North Carolina Homeowners Alliance has mobilized thousands of constituents to write our state’s Commissioner of Insurance.

Our efforts have been successful in blocking the massive increases. However, we recognize that a series of smaller increases can also hurt consumers. So we are going to renew our fight to block any rate increases in 2020.

Flood insurance

The North Carolina Rate Bureau, which represents the state’s insurance companies, recently proposed a brand new flood insurance product. Our state has faced a massive problem of uninsured flood losses from storms in recent years. A new option for affordable flood insurance would be a big win for consumers.

The NC Homeowners Alliance, along with the North Carolina Association of REALTORS, is studying this proposal to help ensure that it will be good for consumers.

Orphan Roads

For years, the NC Homeowners Alliance has urged legislators to tackle the complicated problem of “orphan roads.” For some homeowners, particularly in rural subdivisions, unclear road ownership has led to costly repairs or crumbling neighborhood streets.

A new state law is a great first step toward solving this tough issue. Governor Roy Cooper recently signed House Bill 620, which directs the Department of Transportation to create a statewide database and mapping system that is accessible by the public.

The mapping system will identify state owned, state maintained and federally owned roads. Homeowners and homebuyers will have access to better information. It’s a great win for transparency.

The Homeowners Alliance will keep working on this issue. Future steps for consumers could include:

  1. Ensuring streets in new developments will be accepted for public ownership so that maintenance responsibility is clear
  2. Expanded data collection on local road ownership and maintenance