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C.T. Lowndes & Company Blog: insurance

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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 >>

Break-ins can happen to anyone at any time. They often leave you and your family feeling angry, violated, confused, and worried. In 2016 alone, almost 8 million homes reported a property related crime. Apartments can be especially dangerous given the close proximity to many strangers. READ MORE >>

If there is a possibility of a hurricane in your area, follow these tips for pre-hurricane safety. ·         Always attempt to evacuate if suggested. Know your evacuation routs ahead of time. ·         Pay close attention to local news. READ MORE >>

·         Check blind spots- Motorcycles are small and can often be difficult to spot. Make sure to fully check you blind spot before merging, as motorcycles can be hidden by even the smallest of gaps in visibility. READ MORE >>

·         Take a deep breath- As much as possible, relax and assess your current situation. Check for any injuries even if you do not feel pain. Adrenaline can often mask the pain caused by an injury in a car crash. Consider going to the hospital to be assessed. READ MORE >>

Pet evacuation Have a disaster plan prepared for your family? What about your furry-friend? In the case of an emergency, it’s best to be prepared to ensure the safety of your pet. Remember to never leave your pet behind if evacuation is required! They may be lost, injured, or worse. 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 These terms, from the 1960s, are rather outdated and misleading misnomers.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 >>

Following up on the last blog, instead of crashing into a tree, your out-of-control crashes into your neighbor’s 2018 Lexus, causing a good bit of cosmetic damage, scratches, dents, etc. Will your homeowners policy pay for the damages to the Lexus? READ MORE >>

 Having proper insurance for your drone operation is very important. Things to know: ·         “Whole Coverage” means insuring the drone itself (it crashes and is a total loss) plus general liability (it crashes and damages someone property or hurts someone). READ MORE >>

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