News Room

Hurricane Michael heading through the Gulf, then to South Carolina

COLUMBIA, SC. – October 9, 2018 When a severe weather threat is looming, there is little time to get your home ready and take your family to safety.

Forecasts are predicting that Hurricane Michael will bring some strong winds and heavy rains into South Carolina as early as Wednesday, prompting the National Weather Service to issue Tropical Storm Watch along the coast.

With serious weather conditions imminent, the S.C. Insurance Association is offering these reminders:

Emergency plan


• Prepare the exterior of your home and yard if strong winds and water are imminent. If it is safe to do so, nail any loose shingles or boards, bring in lawn furniture, and cut weak tree limbs and those overhanging a structure and remove yard debris.


Insurance reminders

Standard homeowners and renters insurance policies do not cover flood damage – the most common natural disaster in the U.S. However, it is important to note that the National Flood Insurance Plan (NFIP) has a 30-day waiting period before policies take effect.

For flooded automobiles, comprehensive coverage is needed to cover flood damage.

A saturated ground can increase the likelihood of falling trees. A basic homeowners insurance policy does provide coverage for trees that fall on insured structures.

Consult with your insurance agent or company to see if you’re protected.

Filing a claim

For car, home, or business owners who have damage from the storm, here are some tips for filing an insurance claim:

• Survey the damage and notify your insurance agent or company of any losses and leave contact information if you are not at home.

• Make any temporary repairs necessary to protect property from further damage. Keep all receipts for material used.

• Do not dispose of damaged personal property until an adjuster has had the opportunity to examine it.

• Photographs or video documentation of damaged property may be helpful.

• Find your insurance policy and have your policy number handy when you are ready to make

For more information from the S.C. Insurance Association, or to schedule an interview, call (803)252-3455.

For almost 40 years, the South Carolina Insurance Association has been providing free insurance information to consumers and the media about property and casualty insurance issues as the S.C. Insurance News Service.

For more information, contact the South Carolina Insurance News Service at 803-252-3455 or use our contact form.