Is Your Policy Hurricane Season-Ready?
Living in South Carolina means enjoying beautiful coastlines, warm weather, and welcoming communities. But it also means having to prepare for hurricane season each year. Unlike some weather events that are unpredictable, hurricane threats in this region are a “when,” not an “if.” That’s why understanding your homeowners insurance coverage—and making sure it’s up to date—is essential for every South Carolina resident.
Is Your Home Properly Covered?
Many homeowners assume their standard insurance policy will automatically protect them from all hurricane-related threats. However, the reality is that coverage can vary significantly based on your policy details and any additional endorsements you may have. Here are a few key points to consider as you review your insurance before hurricane season:
Wind and Hail Damage:
Most homeowners insurance policies do cover wind-related damage, which is one of the primary risks during a hurricane. However, in some coastal areas, wind and hail coverage may have higher deductibles or require a separate endorsement.
Flooding:
Standard homeowners insurance does not cover flood damage, which is a common and devastating effect of hurricanes. Remember, flooding is considered when outside water enters the home through rising waters. If you live in a flood-prone area or simply want extra peace of mind, a separate flood insurance policy may be a wise investment.
Additional Living Expenses:
If a hurricane forces you out of your home for repairs, it’s crucial your policy covers sufficient additional living expenses, such as hotel stays, meals, and travel costs.
Personal Property and Valuables:
Now is a good time to inventory your belongings and ensure your coverage limit accurately reflects the value of your property and possessions. Keep an online document of items, serial or model numbers, and photos.
Why a Coverage Review Matters
Insurance needs can change as you update your home, acquire new belongings, or experience changes in your household. Regularly reviewing your homeowners insurance with a trusted agent helps you:
Identify and fill any coverage gaps
Adjust your policy for renovations or home improvements
Understand policy exclusions, especially for hurricanes and flooding
Ensure you have the right deductibles and coverage limits for your needs
How to Prepare:
Review your current homeowners insurance policy documents.
Ask your agent about wind, hail, and flood coverage specifics.
Request a coverage check to confirm your policy is hurricane ready.
Explore the benefits of supplemental endorsements or standalone flood insurance.
As we learned with the past year, hurricane season in South Carolina isn’t a matter of “if”—it’s a matter of “when.” Taking the time to review your homeowners insurance now can save you stress, money, and heartache down the road. Don’t wait until a storm is on the horizon. Reach out to your insurance agent for a fast, friendly policy review and make sure you’re fully protected when it matters most.
