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C.T. Lowndes & Company Blog: flood insurance

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If you have flood insurance through the National Flood Insurance Program (NFIP), be aware that the policy provides very little coverage for items located below the first elevated floor of a post-FIRM home (a home built after 1974). You should move whatever you can to a higher level. READ MORE >>

Let's imagine a hurricane is approaching our area. These are some insurance related items you may want to consider as you prepare for the storm. ·         Find your insurance policies (automobile, homeowners, flood, boat, commercial, etc.). READ MORE >>

During the hurricane seasons of 2016, 2017, and 2018, many homes, particularly those on beaches, had flood waters (from ocean or rivers) come into the areas below the elevated floor of the dwelling. The waters rose, then fell, leaving behind a mess. READ MORE >>

Hurricane season officially started on June 1st! Do you know what to do if a hurricane is headed your way? If there is a possibility of a hurricane in your area, follow these tips for pre-hurricane safety. ·         Always attempt to evacuate if suggested. READ MORE >>

The rainy season is fast approaching and we have already seen some wet days. Flooding can happen at any time and can be the result of things like heavy rain, blocked drains, burst water mains, and changing tides. If there is standing or moving flood water blocking your path, do not attempt to drive through it! READ MORE >>

Do 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 >>

FEMA 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 >>

The FEMA flood map for Dorchester County became effective on July 18, 2017 and resulted in very few changes. The revised Berkeley County flood maps were effective on December 7, 2018. The map changes affected two main areas. One was Pimlico Subdivision on the western branch of the Cooper River. READ MORE >>

Hurricanes Florence and Michael spared the Low Country but they present a good opportunity to remind everyone about precautions as they relate to insurance. One good thing about hurricanes and the resulting flooding is that you do have time to prepare, time to think about insurance and documentation, and time to make a plan. READ MORE >>

Continuing our discussions about flood insurance and flood map changes, let’s focus on Berkeley County. Not a place we think of as being flood prone but there are a couple of areas that will be affected by the new flood maps, to be effective for Berkeley County on December 7, 2018. READ MORE >>

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