Do I Need Flood Insurance?


Flood insurance is not included in your homeowners insurance or covered in your renter’s insurance policy. Flood insurance is a totally separate policy that you’ll need. This is something that has become an all-too-real nightmare of many in the South Carolina area as floodwaters have risen and even become deadly in the last few weeks.

Officials report that South Carolina has not seen flooding like this in over 1,000 years.

• 11 dams breached
• 70 miles of highway closed
• Death toll nearing 20 lives
• 2 foot of rain dropping in 24 hours
• 100’s rescued

After this record setting rainfall, the waters have begun to recede in some areas and reveal devastating damage to homes, cars, and property. Some homeowners lost everything in these storms and find themselves troubled at a loss for what’s next.

For those lucky enough to not have their homes engulfed in the historic floods, they are not totally in the clear. Authorities have reported looting. While some residents were alerted and able to get to safety before the extreme weather hit, they’ve returned to their homes finding them looted. Overnight break-ins, daytime theft and even in plain sight of nearby onlookers – heirlooms, jewelry, electronics, and more all reported missing by locals.

Some of the damage can be fixed. Some of the property repaired or restored, but the expense has been estimated into the Billions and, at times, seems more overwhelming than experiencing the severe weather first-hand. In fact, if you have even a 1,000 square foot home with this type of flooding catastrophe – your damages alone could range up to $30,000 alone.

So what can homeowners do to prepare for hurricanes, tropical storms, and severe floods? How can you insure that you’re home, car and property are protected and covered in your monthly insurance payment?

Review your current homeowners’ insurance policy and connect with us today. You need to be familiar with your flood risk. Are you living in a high-risk zone? Even if you live in a low-risk zone – that still doesn’t mean no risk.

We can give you a clearer understanding of your insurance coverage and terms. A phone call with one of our team members can help you fully understand what your homeowner’s insurance policy covers or neglects to cover. There’s nothing better than truly knowing that your family is safe, that your property is protected and your investment is covered.

Only a flood insurance policy will protect you from the damages of flooding. Flood insurance is available to homeowners, renters and business owners. You’d be surprised to know that flood insurance is very affordable too; however, there may be a waiting period for the policy to take effect, so now’s the time to act because even a few inches of rain can cause tens of thousands of dollars to your property.

Our hearts and prayers go out to those effected in the South Carolina and North Carolina areas. We hope that our family-owned business can be here for you in your time of need.

Contact us today with any questions that you
have about your flood insurance policy. 1-866-236-0415

Source: CNN & FloodSmart.gov