In many parts of the country summer brings late afternoon thunderstorms and rain, not to mention tropical storms and cyclones. Having insurance coverage to protect your home and possessions is vital if you live in an area prone to extreme weather conditions, and even if you are not in a high risk area, disaster can strike unexpectedly. One after-effect of severe weather which many people do not take into consideration when planning their insurance needs is flooding. Make sure you have a South Carolina flood insurance policy on your home for maximum protection.
The combination of sun baked ground and heavy rain can contribute to excessive surface runoff and flash flooding, even in areas which are not generally considered at high risk of flooding. Even a small flood can destroy your home and possessions and be extremely costly and time-consuming to clean up, so it is important to be protected in order to help alleviate the financial difficulties that could be caused by flood damage at your home.
Flood insurance does not form part of general homeowners’ insurance and needs to be purchased separately. To find out more about South Carolina flood insurance and how to purchase it, contact your agent.