The North Carolina Joint Underwriting Association (NCJUA), also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a tax exempt association of insurance companies licensed to write and engage in writing property insurance coverage in North Carolina. The Dwelling and Commercial Fire products provide coverage for windstorm and other perils such as fire, lightning, and vandalism and malicious mischief. The NCJUA was created in 1969 pursuant to Article 46 of the North Carolina Insurance Law. MISSION STATEMENT - NCJUA The North Carolina Joint Underwriting Association, also known as the FAIR (Fair Access to Insurance Requirements) Plan, is a. In many cases the NCJUA is thought to be the only wind and hail insurance option. This is the fourth cat bond issued by Munich Re to cover the NCJUA and the NCIUA from North Carolinahurricanes, but the first under the Tar Heel Re vehicle.