In South Carolina, we often associate flooding with hurricane season, but it can happen any time of year. While summer storms and tropical systems can bring significant rainfall, seasonal weather patterns can also increase the potential for flooding during the cooler months.<\/p>\n\n\n\n
El Ni\u00f1o is a naturally occurring climate pattern that brings warmer-than-average surface temperatures to the Pacific Ocean. These warmer waters can influence the jet stream and weather patterns across the United States.<\/p>\n\n\n\n
This fall and winter, El Ni\u00f1o conditions are expected to influence weather patterns across the Southeast, bringing wetter-than-average conditions.<\/p>\n\n\n\n
While El Ni\u00f1o can contribute to more rain during the colder months, it can also influence hurricane activity. Fewer tropical storms are expected this year, but that doesn’t eliminate the possibility of a tropical storm making landfall. <\/p>\n\n\n\n
Regardless of tropical activity, periods of heavy rainfall can increase the potential for flooding as storm systems move through the region.<\/p>\n\n\n\n
One of the most important steps you can take as a homeowner is understanding what your insurance covers. Standard homeowners insurance typically does not protect against flood damage, so separate flood insurance is needed to help protect your home and belongings.<\/p>\n\n\n\n
It’s important to explore your options before severe weather approaches as some flood insurance policies have waiting periods before coverage takes effect.<\/p>\n\n\n\n
If you have questions about your flood risk or coverage options, talk with one of our Insurance Solutions advisors. A complimentary insurance review can help you better understand your current coverage, identify potential gaps, and determine whether additional coverage is needed.<\/p>\n\n\n\n