If the last decade has taught us anything in South Carolina, rising waters are possible on the coast and inland. There are established flood zones in all 46 counties, but even residents outside these zones find flood insurance beneficial. Keep reading to know what you can expect if you choose to add flood insurance to your policy.
Whether it is your home, rental property, or business, water damage can happen in the event of a natural disaster. These disasters bring rising waters and excess water to low-lying properties. Unfortunately, standard home or commercial insurance policies will not cover the damage caused by water. Flood insurance is designed to cover the costs of restoration to your property.
In South Carolina, the following events can cause flooding:
Hurricanes off the coast of South Carolina cause flooding in these areas and as it travels inland. There are rivers across the state, so different areas can have potential flooding until the rivers crest in that area. Having too much rain for several days can cause the same damage and rising waters in the rivers.
Flash flooding is also a disaster when the rain comes down too fast and has nowhere to go. This disaster can cause substantial flooding in areas that never had an issue before. It can be affiliated with a hurricane or standalone storm throughout the year.
Your mortgage lender may require you to add this policy to your home insurance based on where you live. You can also add this to your existing policy for peace of mind. Contact our agents at D4Insurance today for more information and get a personal quote for your property.
