Visio Lending will be monitoring Hurricane Florence and regularly updating this page with new information.

 Government Resources     -     Latest News     -   Repairing  Flood Damage Help    -    What to do for uninsured, flooded rentals      -    North Carolina  Landlord Legal Obligations to Tenants Post Flooding   -   Visio Blog Posts


Government Resources


North Carolina Association of County Commissioners

Orange County North Carolina


Latest News

CBS Latest Forecast Live 

CNN Live Updates 

Wall Street Journal Live News Coverage


Flood Damage Resources

Putting the Pieces Back Together after a Flood- Fast Home Help

What to Do in the First 24 Hours After a Flood- HouseLogic

Water Damage Restoration & Clean Up Checklist- Texas A&M AgriLife


What to Do For Uninsured, Flooded Rental Properties

Updated from the  blog post What to do For Uninsured, Flooded Rental Properties originally published on September 6, 2017.

Damage to rental properties and vacation homes are not eligible for FEMA's disaster assistance program. Here are some options available for landlords with damaged rentals:

  • Apply for a low-interest loan from the Small Business Administration (SBA): If your rental property is occupied by tenants, you may be eligible for a low-interest loan from the SBA. Visit their website at
  • Consult a counselor for emotional guidance: The Substance Abuse and Mental Health Services Administration(SAMHSA) offers counseling and support to people experiencing emotional distress related to a natural disaster.
  • Refinance an undamaged rental home:You could refinance with Visio to take equity out of another property and repair your damaged property. For more information on our refi options, visit our Loan Programs.


North Carolina Landlord Legal Obligations to Tenants Post Flooding

Tenant Responsibilities 

According to North Carolina Landlord and Tenant Duties ss 42-43, tenants will "be responsible for all damage, defacement, or removal of any property inside a dwelling unit in the tenant's exclusive control unless the damage, defacement or removal, was due to ordinary wear and tear, acts of the landlord or the landlord's agent, defective products supplied or repairs authorized by the landlord, acts of third parties not invitees of the tenant, or natural forces."

Landlord Responsibilities

According to ss 42-42, landlords will "make all repairs and do whatever is necessary to put and keep the premises in a fit and habitable condition and "keep all common areas of the premises in safe condition." 

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