Key takeaways

• Wind damage is usually covered under a standard homeowners policy if you have wind coverage; flood damage from storm surge is not covered and requires a separate flood policy.
• Hurricane deductibles in coastal South Carolina are often percentage-based (1%–5% of dwelling limit).
• Document your home and valuables now, make temporary repairs after a storm, and report claims promptly.

1) Does my homeowners insurance cover hurricane damage?

Most standard homeowners policies cover wind-related damage. Check your declarations page for wind / named-storm language and any separate hurricane deductible. Flood damage (storm surge, rising water) is not covered by standard homeowners policies — a separate flood policy (NFIP or private) is required.

2) Hurricane deductibles and how they work

In South Carolina, insurers commonly use a percentage hurricane deductible that applies only for named storms. For example, a 2% deductible on a $300,000 dwelling limit means a $6,000 out-of-pocket before insurance pays for covered wind damage. Locate your declarations page or contact us to confirm your deductible type and amount.

3) Preparing your home before a hurricane

• Secure or store outdoor items and trim trees that could damage structures.
• Take clear photos or video of your home and valuables now (timestamped). Save receipts for recent repairs or improvements.
• Make an inventory of personal property and keep copies off-site or in the cloud.

4) After the storm — documenting and filing a claim

• Prioritize safety. If safe, photograph damage and make temporary repairs to prevent further loss (keep receipts).
• Do not discard damaged items until an adjuster has inspected them, unless necessary for safety.
• Report the loss promptly to your insurer or agent. We assist clients with claim submission and documentation.

5) Flood insurance specifics

Flood policies through the National Flood Insurance Program (NFIP) typically have a 30-day waiting period before they become effective — do not wait until a storm is imminent. Ask about private flood options if you need higher limits or different terms.

6) Local considerations for South Carolina homeowners

Coastal properties and barrier islands may face higher hurricane deductibles and tighter underwriting. Owners of vacation or short-term rental properties should consider endorsements or separate commercial/rental coverage.

7) Common client questions (brief answers)

Will my policy cover roof hail/wind damage?

Likely yes for wind; final determination follows an adjuster inspection.

Is my detached garage covered?

Often yes, if listed under “other structures” on your declarations — confirm limits.

How fast can I get a claim paid?

Timing varies. Proper documentation and prompt reporting help speed the process.