The North Carolina Joint Underwriting Association (NCJUA), also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a tax exempt association of insurance companies licensed to write and engage in writing property insurance coverage in North Carolina. The Association was created by law to act as a market of last resort to provide adequate basic property insurance to property owners having insurable property in North Carolina.
NCJUA, in accordance with statute and its plan of operation and supported by the North Carolina Commissioner of Insurance, pursues mitigation efforts in North Carolina’s beach and coastal regions to increase the resiliency of property against catastrophic wind events. As such, NCJUA has implemented an affirmative Pilot Grant Mitigation Program titled Stronger Roof ("Grant Program"). The Grant Program is designed to improve the resiliency and weather-resistance of properties insured by NCJUA. The Grant Program provides money to offset some of the replacement costs for qualified roofs to the Insurance Institute for Business & Home Safety ("IBHS") "FORTIFIED Home™ with new roof cover" standard.