C.T. Lowndes & Company Blog
View the latest blog posts from C.T. Lowndes & Company.
Wednesday, August 12, 2020What does Base Flood Elevation mean? The National Flood Insurance Program Flood Manual defines the Base Flood Elevation (BFE) as “The elevation of surface water resulting from a flood that has a 1% chance of equaling or exceeding that level in any given year”. How does that practically affect me? READ MORE >>
Wednesday, August 12, 2020Do I need to tell my insurance company or my agent that my flood zone and/or BFE has changed because of the recent map revision? No. The insurance companies have access to the map revision info and automatically make the change to your policy. You are always welcome to contact your agent but there really is no need to do so. READ MORE >>
Wednesday, August 12, 2020FEMA flood maps have changed or will be changing for most areas in the Low Country and your home may have been moved into a Flood Zone X. You were previously in Zone AE and your mortgage company required you to have a flood insurance policy. Your insurance company issued you a Preferred Risk Policy that will be in effect for one year. READ MORE >>
Wednesday, June 3, 2020Jet Skis, to include Wave Runners, Sea-Doos, etc. are best insured under a Personal Watercraft (PWC) policy. Such policies can provide: · High Liability limits. · Medical payments coverage up to $25,000. READ MORE >>
Tuesday, May 26, 2020It's easy for people to get in the habit of paying their insurance bills without thinking much about them. After all, it's a rote statement that comes every month that you likely don't even look at. But there's danger in doing taking this approach because a policy was never meant to be a static document. READ MORE >>
Thursday, May 21, 2020Whether you have a small, medium or large business concern that you own or operate, you need to consider the best business insurance options available to meet your obligations under your state's unemployment insurance or compensation program. READ MORE >>
Tuesday, May 19, 2020You may have heard that some auto insurance carriers will give you a discount on your policy if you upgrade to different safety features. The idea is that the more precautions you take, the less likely it is that you'll ever file a claim in the first place.
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Thursday, May 14, 2020Mold can be one of the more expensive types of damage to address in your home. Because different types of fungi can live in your walls or under the floorboards for a while before ever showing physical evidence of being on the property, it can be difficult to exterminate it all once you finally know about the problem. READ MORE >>
Thursday, May 14, 2020C. T. Lowndes & Company is open for business. We are doing as our Governor has requested and most of the staff is working from home. However, each person has the same ability to assist you as if he/she were in the office. You can contact us at the same phone numbers and via the same email addresses. READ MORE >>
Tuesday, May 12, 2020In these challenging times, it is important to understand the type of business insurance protection helps you during the time of extraordinary circumstances, such as a global pandemic. Businesses small to large are experiencing catastrophic losses as a result of the COVID-19 virus. READ MORE >>