South Carolina is often impacted by tropical storms, especially in coastal areas. Strong winds can uproot trees, while storm surges can cause significant flooding. Many people assume flood insurance will cover all hurricane-related damage, but that is not always the case.
Standard Coverage
Flood insurance policies are designed specifically to cover damage caused by rising water. If a hurricane results in flooding, this portion of the damage is typically covered. However, flood insurance does not cover other types of hurricane damage, such as broken windows or wind-related destruction, even if the damage occurs during the same storm.
Flood insurance generally applies only to water that enters the home from the ground up. As a result, wind-driven rain or structural openings caused by the storm are not covered unless another policy provides that protection.
Exclusions
Flood policies also include several exclusions, even when the damage occurs alongside flooding. For example, most policies will not cover sewer backups, burst pipes, or rain leaking into your home. These issues typically fall under separate coverage.
For example, if a hurricane causes strong winds that damage your roof and rainwater enters your home, this type of damage is not covered by a flood insurance policy. Flood insurance only protects against water damage caused directly by rising water. An agent at C & H Insurance Associates LLC can help explain what your policy includes.
Using Multiple Policies
Residents often need multiple policies to fully protect their homes from hurricane damage. A hurricane or windstorm policy can help cover roof damage, broken windows, and other wind-related issues. Your home insurance may cover theft or looting that occurs after evacuation. Flood insurance provides coverage for water rising from storm surge or flooding.
Handling several policies after a natural disaster can feel overwhelming, but experienced agents at C & H Insurance Associates LLC are here to support you through every step of the process. Contact us today to learn more. We proudly serve residents throughout South Carolina.
