Hurricane Disaster Relief For North Carolina Renters

Your Rights as a Renter in North Carolina

In North Carolina, renters are entitled to live in a habitable property where the home is safe, livable, and free from hazards, with working plumbing, heating, electrical systems, and compliance with local and state housing codes. In the context of a natural disaster, flooding, wind damage, or other destructive events may render the property uninhabitable. If your home has been damaged by Hurricane Helene and you’ve experienced the following, your home may not be considered habitable under North Carolina law:

• Flooding
• Fires
• Storm Surge
• Landslides
• Wind Damage
• Structural Damage

What Is Considered an Uninhabitable Rental Property?

A rental property is considered uninhabitable when it is unsafe for human habitation due to damage such as:

• Compromised essential living conditions (e.g., lack of running water, electricity, or heat)
• Health or safety hazards
• Unstable building structures

Your Rights As A Renter

North Carolina law provides several protections for renters. As a renter, you have the right to demand habitable living conditions.

Repairs:

If your home has sustained damages and you are still living there, inform the landlord right away, and document your communications. Landlords are legally required to repair the home within a reasonable amount of time, but only if they are aware of the damage.

Temporary Housing:

In cases where damage is extreme and your home has been deemed uninhabitable, landlords may be obligated to provide temporary housing or compensate you for living elsewhere.

Breaking Your Lease

If your landlord does not make necessary repairs in a timely manner, you might have options regarding breaking your lease. However, each situation is unique, and it's essential to consult with an attorney to understand your specific rights and the best course of action. Keep in mind that rent is still due until the lease ends, which is the day you vacate the property.

Document The Process

If you’re looking to request damages from your landlord, be sure to always document the situation. This includes making sure you are submitting your requests by email or text message, taking photos, recording videos, and maintaining a log of all communications with your landlord, including timestamps and dates. This evidence will be crucial in case of disputes over repairs or lease termination.

Resources

• North Carolina Housing Coalition
• Legal Aid of North Carolina for tenant rights assistance

Renters' Insurance Claims

If you have renters' insurance, now is the time to file a claim for any personal belongings that were damaged by the storm. While many policies don’t cover flood damage, they often include coverage for wind damage, theft, or vandalism.

Contact your insurance provider as soon as possible. Provide detailed documentation of all damages, including photos, receipts, and an inventory of lost items.

Resources

• National Flood Insurance Program for flood insurance coverage
• North Carolina Department of Insurance Consumer Helpline (1-855-408-1212) provides assistance with insurance claims, including renters' insurance and disaster-related claims.

FEMA and Emergency Assistance For Renters

Renters, especially ones without renter’s insurance, are encouraged to file a claim for FEMA assistance. This can include temporary housing, personal property, and other disaster-related expenses. The deadline for applying is within 60 days of the disaster declaration. Be sure to document and photograph all damaged property.

Tip: If your FEMA claim is denied, don’t give up. Denials can be appealed. Maintain detailed records of all communications and reach out to North Carolina Legal Services to answer your questions.

Resources

• FEMA: Disaster Assistance
• FEMAAppeals.org: Create and generate a printable/downloadable FEMA appeal letter

Don’t Navigate Hurricane Damage Alone - Consult Our Legal Experts!

Even if you're unsure about whether you need an attorney to recover damages after a hurricane, consulting with a lawyer can help you understand your rights as a renter and ensure that you aren’t missing any important steps. At North Carolina Legal Services, our experienced attorneys are here to help you navigate the complexities of hurricane damage claims, including lease termination, landlord disputes, and compensation for lost property. Whether you're dealing with an uninhabitable rental or need guidance on how to proceed, we can provide the support and advice you need. Schedule a consultation today and take the next steps toward recovering from the storm.

General Resources

• FEMA
  • Disaster Assistance
  • FEMA Helpline: 1-800-621-3362
• American Red Cross
  • Red Cross Shelters: Currently Open
  • Disaster Services Relief Hotline: 1-800-RED-CROSS
  • Safe and Well: a web system that helps reunite displaced loved ones
    • English
    • Spanish
• National Disaster Legal Hotline: 1-888-743-5749
• Crisis Counseling Assistance Disaster Distress Helpline: 1-800-985-5990
• Next of Kin Registry: For missing, injured, or deceased family members.
• How To Replace Important Documents: Information on replacing birth certificates, driver’s license, passport, etc.
• Food and Nutrition Services Recipient Disaster Resources
• Disaster Unemployment Assistance