What Is the SC Wind and Hail Underwriting Association and Do I Need It in Beaufort?
Quick Answer:The South Carolina Wind and Hail Underwriting Association, often called SCWHUA or the Wind Pool, is a residual insurance market that provides wind and…
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What Happens to My Homeowners Insurance If a Hurricane Is Approaching Beaufort and I Haven’t Filed?
Quick Answer:If a hurricane is approaching Beaufort, you may not be able to purchase a new homeowners policy, increase coverage limits, add certain endorsements, or…
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What Is a Wind Mitigation Inspection in South Carolina and Can It Lower My Premium?
Quick Answer:A wind mitigation inspection in South Carolina is an inspection that documents how well a home is built or upgraded to resist wind and…
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What Is a Hurricane Deductible in South Carolina and How Does It Work for Hilton Head Homeowners?
Quick Answer:A hurricane deductible in South Carolina is a separate deductible that usually applies to wind damage caused by a named storm or hurricane. Instead…
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Can Salt Air and Coastal Weather Affect My Car Insurance in Hilton Head?
Quick Answer:Yes, coastal weather can affect your car insurance, but usually not in the way most people think. Salt air and humidity can contribute to…
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Does Homeowners Insurance Cover Storm Surge Damage in Bluffton, SC?
Quick Answer:No, homeowners insurance does not cover storm surge damage in Bluffton, SC. Storm surge is classified as flood damage, which is excluded from standard…
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How Does a Wind Deductible Work in South Carolina and What Does 3% Actually Mean?
Quick Answer:A 3% wind deductible in South Carolina usually means you are responsible for 3% of your home’s Coverage A dwelling limit, not 3% of…
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What Is the SC Wind and Hail Association and Do Bluffton Homeowners Need It?
Quick Answer:The South Carolina Wind and Hail Association is a state-backed insurance option that provides wind and hail coverage for coastal properties that standard insurance…
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