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Windstorm Insurance

Windstorm Insurance Information

Hurricane Season has arrived!

The South Carolina Insurance News Service seeks to remind consumers that it only takes one storm to wreak havoc on our state, and everyone should review their insurance policies to make sure they are protected. 

"It is a good routine for people to review their insurance policies with their agents or companies before the start of the hurricane season to verify they have the necessary coverage," says Russ Dubisky, executive director of South Carolina Insurance News Service. Hurricane season begins on June 1st. 

“The whole state is prone to flooding,” said Dr. Jerry, a researcher with the University of South Carolina’s Hazards and Vulnerability Research Institute. 

Water can often cause more widespread damage than wind. South Carolina’s coastline is  bays, inlets, and waterways, the perfect setup for water to surge much farther inland, says Mitchell. 

If you don’t have flood insurance, your home is not covered for the damage from flood waters. 

***Remember that flood insurance will not go into effect until 30 days after purchase, a mandatory waiting period required by the National Flood Insurance Program.***

“Making changes to strengthen your home not only protects your property, but can qualify you for discounts on insurance,” says Dubisky.  

To prepare for hurricane season:

  • Review your insurance coverage with your agent or company.
  • Document & photograph your possessions for insurance records and keep this inventory away from home. 
  • Trim shrubbery and trees to make them more resistant to wind damage. 
  • Re-caulk windows to protect against water intrusion.

After the storm: It is important to start the insurance claims process in a timely fashion and through the appropriate channels. Contact your agent or call the claims division of your insurance company.