We have owned property in the barrier island of the Outer Banks for many years. Different houses in different areas. They have all been on the ocean side of the road. We've had lost shingles and minor damage, but never enough to file a claim. The worst damage we've had to property from "wind driven rain" given a name is in our home in PA and no place near water.
It's tough to predict what direction mother nature is going to go.
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