South Carolina regularly incurs hurricane damage and although Cheraw, SC lies 102 miles inland, the winds and rains of hurricanes still reach it. We just don’t incur the wrath of tidal surges.
Does my home insurance cover hurricane damage?
Your home insurance covers wind damage, but you may want to check your policy to ensure it provides enough coverage. Your policy protects your financial investment in your home by insuring it against damage from named perils, such as hail, fire, etc. This differs by state, so if you recently moved to South Carolina from a state that required a separate hurricane insurance policy, you only need your home policy in SC.
A hurricane includes wind, tidal surge (flood), rain, lightning, and frequent hail. Your home policy protects you financially against damage from all of those perils except the tidal surge flood. (That’s a rising water flood and only covered by flood insurance.)
The damage from a hurricane can include water damage though. Let’s say a tree gets struck by lightning and falls on your home. It knocks a hole in your roof that allows rain to enter. This type of water damage from a hurricane your home policy does cover.
At Ingram Insurance, we encourage home buyers about to become homeowners to buy their policy before June, when hurricane season begins. If you already own your home, think about increasing your insurance coverage before June, so you can better protect yourself financially through the hurricane season’s end in November.
Give Us A Call
Contact us at Ingram Insurance serving the Cheraw, SC area to learn more about hurricane coverage in your homeowners’ policy. We’re happy to answer your questions and help you obtain or update your home insurance so you can viably protect your financial investment in your home.