Planning for the inevitable is smart. But did you know that standard home insurance doesn’t cover you for flood damage? In South Carolina, you can expect floods fairly often due to the low-lying topography. The flooding from Hurricane Helene was devastating, and the people of South Carolina are still recovering over a year later, with 33 counties enduring both flood and wind damage. The National Weather Service suggests that flash flooding, hurricanes, coastal flooding from storm surge, and river flooding are weather patterns that are expected to increase, not decline. With the damage that’s already been done, you don’t want to take a chance on being caught without flood insurance.
Increased High-Tide Flooding Is Anticipated
Significant property damage was suffered by almost all of South Carolina from Hurricane Helene. Charleston, SC has been experiencing an increase in flooding events, with high-tide flooding rising from roughly two days per year in 1950 to 25 days per year by 2014. Predictions suggest high-tide floods will reach 60 days per year by 2051. Preparing for bad weather is a critical step, especially since regular home insurance excludes coverage for flooding.
What Can Flood Insurance Protect Against?
Flood insurance policies can vary in coverage options, but they typically cover the following:
- Inland overflow from rivers, lakes or coastal areas
- Rainfall damage, including flash flooding from heavy rainfall
- Mudflow damage
- Storm surges from hurricanes or thunderstorms
- Melting snow that causes floods
- Blocked storm drains that cause flooding
If you’re unsure about the type of flood coverage you need, the team at South Carolina Federal Insurance Solutions can help. We will review coverage options with you. The protection of your family and property is paramount, especially in light of the heavy flooding already experienced in South Carolina.
Call South Carolina Federal Insurance Solutions, serving Charleston, SC and surrounding areas, for answers to your questions about flood insurance.
