Hurricanes & Flood Insurance: What Homeowners Should Know

Twenty-six years ago around midnight on September 22, Hurricane Hugo made landfall at Sullivan’s Island, SC as a Category 4 storm with an estimated maximum winds of 135-140 mph. Hugo left the Island as well as neighboring Isle of Palms completely destroyed. The months of July-October mark the most severe timeframe for hurricanes to occur. Every South Carolina homeowner should be prepared for extreme winds, torrential rain and flooding that can destroy your property. As a trusted Insurance Agency in Charleston, SC, Schirmer Insurance Group offers & recommends flood as well as wind & hail hurricane coverage.

Wether you live on an Island or along the South Carolina Coast, Wind Storm Coverage is particularly important. Take a minute to make sure your home and property are adequately insured against wind damage, water damage and hurricane damage. Read through your existing homeowners policy, your coverage information can be found on the declarations page. Many of our policies at Schirmer Insurance Group include wind coverage. However, we can customize a policy for you that protects your home that includes wind and hail. If you currently do not have flood insurance one of our agents at Schirmer Insurance Group can help. We are a local, independent insurance agency-serving people in coastal South Carolina. If you are not familiar with the National Flood Insurance Program, it is important to recognize that there is a 30-day waiting period to get flood insurance, so don’t wait for a storm warning to begin the process. South Carolina Wind & Hail damage can pose a serious threat to your cars, boats, homes, and even businesses. Wind & Hail damage can occur anywhere, at any time throughout the year. SC Wind & Hail coverage is often mis-understood, therefore it is important to have one of our agents walk you through options that are best suitable for you. We may be used to the threat posed by tropical storms and hurricanes each season, but we are also prone to many different types of events that may occur throughout the year.

Since 1989, Charleston and surrounding areas have been fortunate to have not experienced another hurricane with the capacity and that of severe destruction such as Hugo. With hurricane season around the corner, taking the time to prepare your home and family for what could possibly turn our island inside out is a precautionary measure everyone should take. Our Principal Insurance Agent, Sass Schirmer put together his Top 10 Hurricane Safety Tip to share with you and your family.