Definition of evacuation is the key. Two years ago the bridge to Hatteras Island was washed out and the only way to get there was by ferry. The insurance company's used by rental company's in the Outer Banks only insured the days the county had an evacuation in effect. The evacuation was lifted within 3 days, but you still couldn't get to Hatteras by car. It took 4 months to get the bridge repaired and guests traveling to Hatteras Island were not reimbursed by the insurance company because there was not an evacuation in effect. With the number of people using the ferry, the ferry only took residents with health problems to the central part of the Outer Banks for medical care and to get food to the island.
The legality of this was in question and is still being worked out with no solution in sight. It seems to be a tug of war between the insurance company and the insured.
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