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How Does a Flood Insurance Claim Work?

If you’re a homeowner in the Charleston, SC area, you know that flood damage is always possible. That’s why it’s so important to have flood insurance. But what happens if your home does suffer flood damage?

How does the claims process work? 

Step 1: Contact Your Insurance Company

You first need to contact your insurance company as soon as you realize that your home has suffered flood damage. They will assign an adjuster to your case and explain what to do next.

Step 2: Document the Damage

The next step is to document the damage. Take photos or videos of the damage, and list all the damaged or destroyed items. This will be helpful when it comes time to file your claim. Contact your SCF Solutions representative for assistance if you need help with your claim. Our team of experts will help you through every step of the process.

Step 3: File Your Claim

Once you have everything documented, it’s time to file your claim. Your insurance company will likely have an online portal that you can use to do this. If not, they will give you instructions on how to submit your claim forms.

Step 4: Wait for Your Payment

After you’ve filed your claim, all you can do is wait for your payment. The insurance company will review your claim and send you a check for the appropriate amount. In some cases, they may send someone to repair the damage directly.

Give Us A Call

If your home suffers flood damage, don’t panic! Just follow these four simple steps, and you’ll be on your way to getting compensated by your insurance company. And if you’re not already insured against flooding, now is the time to contact SCF Solutions in Charleston, SC for a quote! We’ll make sure you’re protected against this ever-present danger.

Commercial Insurance that Can Benefit Most Businesses

Commercial insurance can mean the difference between your business thriving and closing. So many risks are out there threatening to damage your business. At South Carolina Federal Insurance Solutions, we try to understand your business and the risks that you face. We can recommend coverages for you to select for better protection.

Common Commercial Coverages:

Workers compensation insurance

Workers compensation insurance is required for all employers who have at least 4 employees. Full-time, part-time workers, and family members are also counted.

Commercial liability insurance

Getting sued is one of the biggest fears that business-owners face. It can not only cause a lot of distress, but it can empty your bank account and even put you in debt. Depending on the policy coverages and limits, a Commercial General Liability (CGL) policy can offer your business protection from financial loss should you be found liable for non-professional negligent acts. In most cases, this insurance will cover your legal defense expenses too.

Commercial umbrella insurance

Depending on your type of business, you may want to add an extra layer of liability protection with a commercial umbrella policy. This insurance complements your other liability coverages by taking over when the limits of your primary policy have been reached.

Commercial property insurance

Commercial property insurance protects not only the building that houses your business but other physical assets used to support your daily business operations. This is the content of your business. Depending on the type of business that you have, it can include things like office equipment, furniture, fixtures, and inventory. The quicker you get these things replaced after an unexpected loss, the quicker you can get your business back up and running.

Get Commercial Coverage Today

Contact Insurance Solutions in the Lowcountry, Midlands, and Upstate regions of South Carolina for help with all of your commercial insurance needs.

Spooky Liabilities

While many people enjoy getting into the Halloween spirit, it’s important to prioritize your safety and the safety of trick-or-treaters. When decorating your house and preparing for visitors, it is a good idea to consider potential risks and take precautions to protect yourself, including:

  • Be mindful of dangers that might not be visible during the night. Help trick-or-treaters stay safe by ensuring your yard is clear of debris and obstacles, and is well-lit.
  • Decorate safely. Keep extension cords away from walkways, use battery operated candles or lighting, and tie down any inflatable decorations.
  • Don’t forget about your furry friends. Keep candy, wires, and decorations out of your pets’ reach, don’t allow them near lit jack-o-lanterns, and have them in a quiet, safe area.
  • Slow down and be vigilant. Whether you are planning to be on foot or in a vehicle, be patient and alert as trick-or-treaters make their way through local neighborhoods.
  • Trick-or-treat safely. Make sure your little ones wear reflective tape, have flashlights, look both ways before crossing the street, and avoid dark homes.
  • Protect your unattended home and vehicle. If you’re planning to be out, remember to lock up, set alarms, and make your home look occupied to avoid any uninvited guests. Take the necessary precautions to prevent against theft and vandalism.

Don’t be frightened by the risks. Our team of advisors can help you prepare for a safe and happy Halloween by reviewing your insurance policies. You may even want to consider purchasing an umbrella policy for added protection beyond existing limits and coverages of your other policies.

We look forward to helping you stay safe this spooky season!

RV Safety Tips

Time slows down and scenic destinations become a picturesque surprise as you hit the road in your recreational vehicle. Whether you are planning an RV road trip to cheer on your favorite football team, explore different camp grounds, or enjoy the fall foliage, it’s important to make sure safety protocols are in place. It’s wise to start by reviewing your insurance coverage with your advisor to make sure your vehicle is adequately protected. Before you plan your next adventure, here are a few safety recommendations to consider:

  • Take your vehicle for a test drive, especially if this is your first trip. RVs, especially when fully loaded, have a myriad of driving considerations that go far beyond those of a typical vehicle. Cornering, turn radius, braking distance, blind spots, towing, acceleration, and height are just a few of the operational considerations you should be comfortable with before beginning your trip.
  • Be mindful of propane safety. Many RVs use propane for kitchen appliances, hot water systems, and heating systems. But the amount of propane stored can also pose a significant hazard. It’s important to properly inspect your equipment before traveling. You’ll also want to be knowledgeable of filling procedures, your maximum capacity, and what to do if you suspect or discover a leak.
  • Treat your RV as you would your home or car. Consider installing deadbolt locks, ensure smoke alarms and fire extinguishers are operational, inspect headlights, turn signals, all belts and hoses, and check all other equipment to be sure it is defect-free.
  • Assemble a safety kit with flashlights, batteries, road flares, repair tools, tape, jumper cables, and food and water. You never know what type of emergency or natural disaster you will encounter while on the road, so it’s best to be prepared.
  • Buckle up when the RV is moving. This is particularly important since passengers often act as they would in a home — sitting around a table playing games, snacking, and cooking. Travelers are subject to being thrown about by a sudden stop or collision because they are in a moving vehicle, so it’s best to wear your seat belts.
  • Understand the threat to your safety from overloading. While it may seem obvious that RVs are going to be far heavier, and thus more difficult to drive than a standard vehicle, don’t overlook the further complication of your own cargo and how you load it.

RVs can immeasurably add to the enjoyment of your road travel as long as you prepare beforehand and follow proper safety precautions during your trip. Our advisors stand ready to offer insights and advice to help you find the right insurance policy for your RV. Safe travels!

Source: Trusted Choice®

Moving and Homeowners Insurance

When you’re moving to a new house, it can seem as though your to do list is constantly growing. From packing, selling your current home, unpacking, and setting up your utilities, there is no shortage of work to be done. To help you check one item off of your list, our insurance advisors have answered a few questions to help you manage your homeowners insurance when moving:

  • When should I tell my insurance advisor I’m moving? It’s best to give your advisor as much notice as possible to help them shop for new homeowners insurance. They can give you an estimate of how much homeowners insurance and flood insurance will cost on the property you’re planning to purchase. It’s important to consider these factors in the overall price of your home, as they can vary greatly from one home to the next.
  • Who covers my belongings during a move? This type of coverage could be included in your current policy, but it’s best to check with your advisor to confirm. If you hire a professional moving company, they often offer coverage you can purchase to protect your belongings while in transit.
  • How long should I keep homeowners insurance for my old house? You need to maintain coverage on your home until it is sold. If you don’t plan to sell your current home and intend to keep it as a rental or second home, you will need to contact your insurance advisor so they can update or rewrite your coverage.
  • How do I update my homeowners insurance policy for my new house? Your insurance advisor can help you shop for new homeowners insurance. Having all of the information on hand, like home details and safety features, may help you qualify for discounts and will help us find coverage options to fit your needs.
  • Will the rate for my homeowners insurance policy go up? It depends on multiple factors including the age, size, condition, and location of your new home. If your home has a much higher replacement cost, for example, it may result in a higher premium. Your insurance advisor can shop multiple companies to help find a policy to fit your needs and budget.

Working with our advisors can help you make managing your homeowners insurance during a move one of the easiest tasks on your list. Our team can help you understand your coverage and determine what changes you need to make as you settle into your new home. Call or email us today to learn more.

The Different Types Of Auto Insurance

Whether you’re a new driver or a seasoned pro, it’s important to know the different types of auto insurance and what they cover. Depending on your budget, you can tailor a policy to get the coverage that best suits your needs. Contact an Insurance Solutions advisor for more information.

Here are the different types of auto insurance and what they cover:

Liability Coverage

Liability coverage is the most basic type of coverage and is required in South Carolina. It covers damages to other people and property if you are at fault in an accident. There are two types of liability coverage: bodily injury and property damage. Bodily injury coverage covers medical expenses and lost wages for the other driver and passengers if you are at fault. Property damage covers damage to the other driver’s vehicle or property.

Collision Coverage

Collision coverage protects you financially if your vehicle is damaged in an accident, regardless of who is to blame. If you have a loan or lease on your vehicle, you are required to have collision coverage. Did you know that vehicle repairs can exceed a threshold of its actual cash value? Let our experienced insurance advisors review your current policy to answer any questions you may have before a claim occurs.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle that is not caused by accident, such as theft, fire, and flooding. It covers damage to your windshield too.

Contact Us Today

Contact the Insurance Solutions team of experienced insurance advisors to learn more about auto insurance requirements. We can offer information regarding how safe driving behaviors can help you save money too!

The benefit of a comprehensive commercial policy for business owners

Insurance Solutions is the insurance partner of choice for businesses owned and operated in the Lowcountry, Midlands, and Upstate regions of South Carolina. You can turn to us for your commercial insurance needs.

Is it time to upgrade your commercial insurance?

Starting out, many business owners are concerned about costs and keeping them low. This may mean that their first commercial insurance policy is a basic one with a minimal amount of coverage. As businesses grow and become more established and successful, insurance needs may change too.

We recommend that all of our commercial insurance clients review their policies on a regular basis at least one or two times a year. After this review, if any gaps in coverage are identified, the option of upgrading the policy should be considered. Our experienced insurance advisors can provide information to help you determine if a comprehensive commercial policy is a good choice for your business.

Comprehensive policies can include many critical coverages a business needs like property and business interruption, general liability, business auto, workers compensation, and cyber liability. Now is a great time to explore the comprehensive commercial policies that are available through our top-rated companies to determine if one is right for your firm.

Contact us today!

You can rely on the team at Insurance Solutions for your insurance needs. We are the agency that understands how important it is to protect hard-earned financial assets. Contact us today for a no-obligation consultation. We look forward to working with you!

What Does Home Insurance Cover?

When you own a home, you have to take the good with the bad. While it is exciting to purchase a home, disaster can strike when you are least expecting it. This is why the home insurance advisors at South Carolina Federal Insurance Solutions want you to know what home insurance covers.

Keep in mind that the state of South Carolina does not require homeowners to have home insurance, but if you borrowed the money to purchase your home through a financial institution or mortgage company, your lender will require that you have this type of insurance in place to protect the investment they have made in your property. Even if you inherited your home or paid cash for it, you will want to have insurance to protect your home and its contents in the event of a fire or some other unforeseen disaster.

What Does Home Insurance Cover?

Home insurance covers not only your home itself, but it can cover other buildings on your property too. These buildings can include sheds, garages, and other structures like decks or porches. The structure of your home and these other structures will need to be repaired or replaced if they are affected by some sort of act of vandalism, a natural disaster, or even a fire. Home insurance will also cover your clothing and other personal belongings as well as household items, including your furniture and appliances if they are destroyed or damaged due to one of these circumstances. Your home insurance policy may also assist you in replacing items that are lost due to some sort of theft or burglary incident at your home.

There are other types of insurance you may want to invest in to protect your home that may not be included in a standard home insurance policy, like flood or earthquake coverage. Some policies can be endorsed to add these coverages or they may be purchased as a stand-alone policy. Your insurance advisor can provide more information.

Give Us A Call

To enlist the assistance of an experienced home insurance advisor in the Lowcountry, Midlands, or Upstate regions of South Carolina, call us today at (833) 359-0725!

Protecting Your Summer Fun

For many families, summer is a time to have fun, make memories and enjoy other’s company while school is out and organized activities are on hiatus. Whether your summer plans include road trips, pool parties or days spent on the water, hopefully your time will be spent making the most of the season.

As you prepare for summer, set aside some time to review your insurance policies. Since you’ll likely be welcoming more guests into your home and spending more time travelling, it’s important to make sure your policies cover your planned adventures and are sufficient to cover life’s unexpected moments, too. There are some specific steps you should take no matter how you’ll be enjoying your summer.

At home

Are you one of the lucky homeowners with a pool in your backyard? Having a pool helps you enjoy even the hottest summer days, but it also requires more extensive coverage in your homeowner’s insurance policy. Before you invite your neighbors over for a swim, review your current policy to make sure you are adequately protected.

If you live anywhere near the coast, you might also know summertime by another name – hurricane season. Though no amount of preparation can prevent a summer storm, you can make sure your family is covered before the spaghetti models take over your TV screens. Most homeowner’s insurance policies don’t include coverage for flooding as a result of a hurricane, so it’s important to understand what coverage you have. And remember, the best time to make sure you’re protected in the event of hurricane-related damage is before there’s a named system on record.

On the road

If you own a recreational vehicle (RV), make sure you revisit your coverage limit on stated amount policies as many owners are seeing appreciation in the value of their RV rather than depreciation. Additionally, consider maximum vacation liability limits and make sure the replacement cost on personal items that will be stowed on the RV is sufficient.

For motorcycle owners, considering underinsured motorist coverage could be the smartest move you make this summer. Many riders opt out of this coverage due to the cost, but the reason it can be pricey is because it’s one of the most utilized coverages in the event of a bad accident. For example, a motorcycle rider is hit by a driver with state minimum liability. The accident results in $200,000 in medical bills and $50,000 in lost wages for the rider. The at-fault driver’s policy with minimum liability limits will only cover $25,000, leaving the insured biker with $225,000 of expenses that aren’t covered. An extra $300-$400/year for underinsured motorist coverage might seem expensive at first, but when you consider the potential costs of opting out, it seems like a bargain.

On the water

Is your family’s idea of summer fun a day spent on the water? Make sure anyone who will operate your boat this summer has taken a boating safety course, especially new drivers who don’t have much experience. Boat owners should also review their insurance policies and consider high liability limits and maximum med-pay limits, which can help avoid litigation after an accident. Smart boaters know that safety comes first, and having insurance coverage is a crucial step in protecting your family’s summer fun.

Insurance policies can be confusing, and it can be difficult to know what to look for when evaluating coverage. But we’re here to help! Our team of advisors can provide a complimentary review to help you select coverages that meet the needs of your family. Give us a call at 833-359-0725 or email us to get started.

A New College Graduate’s Guide to Insurance

Congratulations! Your child (technically, now an adult) just graduated college and is embarking on the transition into real adult life. For new college graduates, it’s an exciting time filled with many “firsts.” They are starting to search for their first professional job, look for their first place, and maybe purchase their first new vehicle.

In all the transitions, it’s easy to overlook an important detail—insurance. While considering insurance is certainly not as thrilling as those other significant “firsts,” it is a necessary step to help manage financial losses.

Here are three insurance coverages your new college graduate should explore:

#1 – Renter’s Insurance

Until now, your college graduate may have lived in a dorm room or shared housing with other students. Now, it’s time for them to consider making a home in their first apartment.

New renters often don’t understand that the landlord’s insurance does not cover their belongings. Should they experience an unforeseen situation – like a burglary, stormy weather that causes a leaky roof to destroy their furnishings, or small fire that creates smoke damage – they need to be protected. Renter’s insurance protects them from losing everything they are working so hard to obtain.

It’s a good idea for them to create a list of their belongings inside the apartment, placing an approximate value on each item. From electronics to linens and clothing to dishes, every piece adds up—and fast, if it all needs to be replaced. The total is the suggested amount of renter’s insurance they should purchase.

#2 – Auto Insurance

Many college graduates reward themselves for their diligent work throughout the past years—and for landing a fantastic job—with the purchase of a new car. And, why not? Purchasing that first brand new car is a significant milestone for a young adult. With a new car comes personal auto insurance, a package policy that includes coverage for liability and physical damage.  

Liability insurance pays when your graduate injures another person or damages their property (such as their car) in an at-fault accident. Every state requires drivers to carry a minimum amount of liability coverage. While some coverage is better than none, minimum limits are not nearly enough to protect them following an accident where they are at-fault. Contact an Insurance Solutions advisor to help you understand available how higher limits may be an option to help them have adequate coverage.

Physical damage covers the cost to repair the damage to your own car. Prepare them for the increase in premium that will accompany the new vehicle when compared to that of the old hand-me-down they were driving.

Even if the cost seems scary, don’t let your new graduate skimp on coverage – advise them to purchase guaranteed asset protection (GAP) coverage. This type of insurance covers the difference of the loan payoff amount on a new or pre-owned vehicle and the actual cash value (ACV) of the vehicle, when an insurance carrier, due to theft or an accident, deems it a total loss.

Remember, liability pays the other person, physical damage is required to cover damages to your car. Both coverages are too important to go with the “minimums.”

#3 – Life Insurance

Most college graduates see the standard life insurance included in their employee benefits as sufficient coverage. For many, that could be the case. Like every rule, there’s an exception or two to consider:

  • Exception #1 – Your young adult has a child who will need to be raised, fed, clothed, and educated in the unlikely situation of his or her premature death.
  • Exception #2 – Your college graduate has student loans along with a co-signer. In the even the primary borrower on the student loan passes away, Sallie Mae will call upon that co-signer to pay off the debt. In fact, the debt often becomes immediately due in full in that circumstance. Life insurance protects the co-signer in this case.

College graduation is the beginning of the next chapter in life and it’s important to help your graduate understand now is the time to plan for the future. While it may not be the most exciting discussion, having insurance will help prepare them for unforeseen circumstances.

Still have questions on how much coverage your graduate needs? Give us a call at 833-359-0725 or email us to schedule an appointment with a South Carolina Federal Insurance Solutions advisor. We can help you feel confident they have the protection they need.

Source: Trusted Choice®

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Trusted Choice



Servicing States

  • South Carolina
  • North Carolina
  • Georgia


Our Carriers

  • Allied
  • Allied Trust
  • ASI/Progressive
  • All Risks
  • Foremost
  • Liberty Mutual
  • Main Street/Old Dominion
  • National Flood Services
  • National General
  • National Security
  • Neptune Flood
  • Openly
  • Orion180
  • Progressive
  • Safeco/Liberty Mutual
  • Sagesure
  • Slide
  • Travelers
  • TypTap
  • Universal Property
  • Utica