Protect your assets in the event of a disaster.
Flood insurance for your needs.
Just because you don’t live in a high flood risk area doesn’t mean floods won’t happen to you. We’ll help explain what flood insurance covers, even if you’re not in a flood zone.
Flood insurance in South Carolina.
Flooding can happen anywhere in the state, and just one inch of water can leave a home with serious flood damage. Many homeowners think their homeowners insurance will cover flood damage, but most homeowners insurance does not.
Get the coverage you need. Contact C.T. Lowndes & Co today for a personalized flood insurance quote.
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- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
Building Coverage: Foundation
Risk Factor
Damage to the foundation, staircases, and anchorage systems can compromise the structural integrity of your home, leading to major structural problems.
Solution
Building Coverage for the Foundation covers damage to these critical structural components, ensuring your home's stability and safety.
Building Coverage: Garage
Risk Factor
Detached garages are vulnerable to flood damage during covered events, sometimes requiring repairs or rebuilding.
Solution
Building Coverage for the Garage protects detached garages from flood damage, providing financial security during such events.
Building Coverage: Electrical & Plumbing
Risk Factor
Floods can cause extensive damage to electrical and plumbing systems, leading to dangerous situations and invasive repairs.
Solution
Building Coverage for Electrical & Plumbing safeguards you against flood-related damage to these essential systems, ensuring safety and financial protection.
Building Coverage: Appliances
Risk Factor
Floods can damage permanently installed appliances and cabinetry, resulting in high replacement or repair costs.
Solution
Building Coverage for Appliances covers damage to these essential components, maintaining the functionality and aesthetics of your home.
Contents Coverage: Furniture
Risk Factor
Floods can damage or destroy furniture such as couches, tables, and beds, leading to significant financial loss.
Solution
Contents Coverage for Furniture protects against damage to these items, ensuring you can replace or repair them after a flood.
Contents Coverage: Electronics
Risk Factor
Home electronics and some mobile appliances, such as washers, dryers, and microwaves, are susceptible to flood damage, which can result in costly replacements.
Solution
Contents Coverage for Electronics covers damage to these items, providing financial relief in the event of a flood.
Contents Coverage: Clothing
Risk Factor
Flood water can ruin clothing, leading to unexpected expenses to replace essential garments.
Solution
Contents Coverage for Clothing protects your clothing from flood water damage, ensuring you can replace damaged items without financial strain.
What is flood insurance?
Flood insurance is a separate policy that helps cover damage caused by flooding. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are underwater due to events like heavy rain, storm surge, rapid runoff, or melting snow.
Because floods are some of the most costly natural disaster events in the country, the federal government offers flood insurance through the National Flood Insurance Program.
The program is managed by the Federal Emergency Management Agency and supported by the emergency management agency FEMA to enforce floodplain management regulations and help communities lower their long term flood risk.
Through the NFIP, property owners, renters, and businesses can purchase flood insurance policies that help cover flood damage to buildings and personal belongings.
Private market flood insurance policies are also available for broader or higher limits.
Who needs flood insurance?
Flooding is one of the most common natural disasters in the United States, and floods can happen anywhere.
Mortgage lenders often require flood insurance if your property sits in a high risk flood area, but property owners outside high risk flood areas face real exposure too.
Many homeowners learn this the hard way only after water damage has already happened.
You should consider flood insurance if:
- You own a home, rental property, or business in South Carolina.
- You live in or near a high risk flood area or a high risk flood zone identified by FEMA.
- You want financial protection from rising waters, storm events, or drainage issues that your homeowners policy does not cover.
Renters, homeowners, and business owners can all buy flood insurance. If you have a mortgage backed by the federal government, flood insurance may be required.
What does flood insurance cover?
Flood insurance coverage varies based on your flood policy, but most flood insurance policies include two key protections:
Building Coverage
Building coverage helps cover damage to the structure itself. This includes foundation walls, plumbing systems, water tanks, well water tanks, water heaters, water heater units, permanently installed carpeting, wood floors, carpet installed over concrete, window air conditioners, detached garages, and structural damage caused by flooding.
It can also cover damage to the building’s electrical systems, appliances, and other fixtures.
Contents Coverage
Contents coverage protects personal belongings such as furniture, electronics, clothing, appliances, original artwork, and other valuable items.
It is designed to cover damage from floods that destroy or ruin what you keep inside your property.
Most NFIP policy limits are set by the national flood insurance program, but you can often expand protection through private market options.
If you need broader insurance coverage or higher limits over the NFIP’s building coverage max of $250,000, an insurance agent at C.T. Lowndes & Co can help you explore an excess flood insurance policy.
Flood insurance does not typically cover additional living expenses that may arise if you need temporary housing after a disaster, but private flood options may include this benefit.
Our team will walk you through each choice so you know exactly what your insurance policy will cover.
Why flood insurance matters.
Floods remain one of the most frequent disaster events in South Carolina. Flooding does not only occur near the coast.
Heavy rain, drainage issues, and storms can create a temporary condition that affects homes far from mapped flood zones. Many homeowners discover after a flood that their homeowners policies will not cover damages.
With the right flood insurance policy, you can protect your building, contents, and financial stability from the cost of water damage. A single flood can lead to thousands in repairs to flooring, electronic equipment, personal belongings, and structural components inside the average home.
Get a flood insurance quote.
For more than 175 years, C.T. Lowndes has helped countless South Carolina businesses and homeowners get the right coverages, keeping their employees safe and protecting their homes and businesses with insurance that has earned a 4.8 star customer service rating from satisfied policyholders.
Protect your home, business, and everything you have worked for. Buying flood insurance is one of the smartest decisions you can make before the unexpected happens.
It is simple to purchase flood insurance, compare insurance coverage options, and get the right flood insurance policy when you work with the right partner.
Get your flood insurance quote from C.T. Lowndes & Co and let our team guide you with local experience, clear advice, and coverage that works.
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