The perils covered by the beach area property plan include all of the following except?

The beach area property plan is designed to provide coverage for various risks associated with properties in coastal areas, which are particularly vulnerable to certain natural disasters. Among the perils that this plan typically covers are windstorm, earthquake, and fire.

Windstorm coverage is crucial in beach areas due to the high likelihood of storms and hurricanes, which can cause significant damage to properties. Fire coverage protects against potential threats arising from natural and man-made sources, while earthquake coverage acknowledges that seismic activity can occur in many regions of North Carolina.

However, flood coverage is generally excluded from standard property insurance policies, including those specifically tailored for beach areas. This is largely because flooding often requires separate insurance policies, such as flood insurance, due to the unique factors and risks involved. Since flooding tends to arise from conditions not covered by standard property insurance—like heavy rain, storm surges, and rising waters—it’s essential for property owners in beach areas to obtain additional flood insurance to ensure comprehensive protection.