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C.T. Lowndes & Company Blog: flood insurance

View the latest blog posts from C.T. Lowndes & Company.

Our so efficient federal government is at it again! In an era of rising sea levels, FEMA is moving many properties into lower risk flood zones!!  Makes sense, does it not?? Here are the facts. Probably the first quarter of 2019 (exact date unknown at this time), new flood maps will be in use for Charleston County. READ MORE >>

The only way to really know if a flood or potential flood is a threat to me personally is through reporting by my local news and media.   FALSE. Local news and media are good sources of information but are subject to outages and interruptions. Wireless Emergency Advisories are available on your mobile device, and are free. READ MORE >>

The term “100-year flood” means a flood event might occur only once every 100 years, “500-year flood” once every 500 years, and a “1000-year flood” once every 1000 years.   FALSE. These terms, from the 1960s, are rather outdated and misleading misnomers. READ MORE >>

The Revision of the flood maps for Edisto Beach and unincorporated areas of Colleton County near Edisto Beach in South Carolina establishes a new Base Flood Elevation (BFE) for almost all properties. Is the BFE important in rating a flood policy? READ MORE >>

FEMA has drawn up new flood maps for the coastal areas of South Carolina and these maps will become effective in the next year or so. The maps for the Town of Edisto Beach and the unincorporated areas of Coleton County will be effective on Dec. 21, 2017. READ MORE >>

The tropical oceans have become active and we all need to be prepared for storm conditions. There are multiple sites giving hurricane preparedness tips. Be sure you have a plan for your family. That includes a plan for your pets as well!!   If your property sustains damage from winds or water, you will need to call your insurance agent or company. READ MORE >>

The rain is about over and most of the flooding will soon be gone. The damages done will remain for some time. If you have a National Flood Insurance Flood (NFIP) policy, here are some things to keep in mind about your flood claim. Call the insurance company or your agent to file the claim. READ MORE >>

Flooding is expected to occur over the weekend in many parts of South Carolina due to heavy rains. If you have a National Flood Insurance Program (NFIP) flood policy, the policy will pay up to $1,000 for certain Loss Avoidance Measures. The policy deductible does not apply. READ MORE >>

The area north of Oklahoma City is rocked by several earthquakes, one a 4.5 magnitude. There was no major damage but it makes me wonder how many people in Oklahoma have earthquake insurance. Or, how many people in Oklahoma think they have earthquake insurance and do not!!   READ MORE >>

Flood risk isn’t only to building and personal property. Too many drivers quickly find themselves “over their heads” when encountering flooded roadways. And the risk of harm is greatly increased by assuming either the waters are too minor or their vehicle too large to be significantly affected. READ MORE >>

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