What criteria must individuals meet to be eligible for NCJUA?

Individuals must meet specific criteria to be eligible for the North Carolina Joint Underwriting Association (NCJUA), primarily focusing on their insurable risks and the location of those risks. The goal of the NCJUA is to provide insurance coverage for those who are unable to obtain adequate protection through the standard private market due to their risks. Therefore, being located in a designated area where such insurable risks exist is essential for eligibility.

This framework ensures that the NCJUA can serve individuals whose unique circumstances or properties make it difficult for them to find coverage elsewhere. The focus is not on a person's income level, geographical restrictions to urban areas only, or whether they hold a state license, as these do not directly pertain to their eligibility for coverage under the NCJUA. This makes the requirement of having insurable risks in a specific area the primary criteria for accessing this type of assistance in North Carolina.