The court found there was no coverage for wind damage under a policy that expressly stated it did not cover windstorm. Chesnutt v. Southern Pilot Ins. Co., 2023 U.S. Dist. LEXIS 66900 (E.D. N.C. April 17, 2023).

The Chesnutts had a policy issued by Southern Pilot that stated in bold letters that there was no coverage for windstorm. The Chesnutts therefore added a co-insurance policy provided by the North Carolina Joint Underwriters Association (NCJUA) that covered wind damage. In 2018, the Chesnutts' property was damaged by Hurricane Florence. The Chesnutts made claims under both policies. Inspectors concluded that the damage was caused by the storm's high winds. The NCJUA policy paid the Chesnutts $400,000. Southern Pilot denied coverage.