You say it's private...then sort of elude to the township owning it.

Big difference in NC as to how that's handled.

Which is it?

I'm no insurance expert....but I'm guessing us homeowners could have some sort of rider attached to our homeowner's policy. Your dad "may" be able to have something similar done for you.

It would only take a call to your/your dad'sagent to find out.

Good luck.