Floods affect many areas of the United States. Dangerous water, rocks, mud and debris can cause destruction, destroying anything in their path—especially homes. Having a flood insurance policy can help protect your home since typical homeowners insurance doesn’t provide flood-related coverage.

South Carolina’s low-lying topography and humid subtropical climate make it vulnerable to flooding.

Chichester Insurance Agency Inc. can help you find the protection you need for your home and property, call us today at (803) 786-2224 or click here to request an online flood quote.

What Does Flood Insurance Cover?

Flood insurance offers protection for your home and usually provides coverage for the following:

·       Electrical and plumbing systems

·       Flood debris cleanup

·       Furnace, water heater and central air conditioning

·       Structural damage

Flood policies vary, so it’s essential to either review your flood insurance with your agent or start a new policy to ensure you have adequate flood coverage.

How Do I Know If I Need Flood Insurance?

All the City of Charleston property owners may purchase a policy through the National Flood Insurance Program (NFIP). Most lenders require property owners to carry flood insurance under the NFIP for structures within the Special Flood Hazard Area (SFHA) as these sites are identified as flood-prone.

If you purchase flood insurance through the NFIP, you are reimbursed for your covered losses. Chichester Insurance Agency Inc. can help you determine if you qualify for FEMA flood insurance or need independent flood insurance.

What Does a Flood Insurance Policy Cost?

If you live in a particular hazard area and have a federally backed mortgage, the NFIP requires that you have flood insurance. The price of your insurance premium will depend on your property and its location. We can help you determine what specific flood insurance best meets your needs and if you can purchase FEMA flood insurance.

When Does Flood Insurance Take Effect?

Flood insurance doesn’t usually take effect until 30 days after purchase. However, if your lender requires that you have flood insurance to make, increase, extend or renew your loan, then there’s no waiting period.

How We Can Help

Chichester Insurance Agency Inc. can help you navigate the nuances of flood insurance to ensure you have the protection you need for any flood-related damages. Call us at (803) 786-2224 to get started on your policy.