Hurricanes & Flood Insurance: What Homeowners Should Know

When Hurricane Hugo struck Sullivan’s Island on September 22, 1989, its 135–140 mph winds devastated the South Carolina coastline. More than 30 years later, Hugo remains a powerful reminder of how quickly a storm can reshape our communities. From July through October, South Carolina enters the most active and dangerous part of hurricane season. For coastal homeowners, preparing for extreme winds, heavy rain, and flooding is essential. As a trusted local insurance agency in Charleston, Schirmer Insurance Group helps homeowners secure the right protection, including Wind & Hail Coverage and Flood Insurance.

 

 Wind & Hail Coverage for Coastal South Carolina Homes

If you live along the South Carolina coast, Wind & Hail Coverage is one of the most important parts of your homeowners insurance policy.

High winds from hurricanes and tropical storms can cause:

• Roof and structural damage
• Broken windows and siding
• Water intrusion
• Damage to vehicles, boats, and outdoor structures

Many Schirmer Insurance Group policies already include wind protection, but we can also customize coverage to ensure your home is fully protected

 

Flood Insurance: Don’t Wait Until a Storm Is Approaching

Flooding is one of the most common and costly types of storm damage in South Carolina. Yet many homeowners don’t realize that standard homeowners insurance does not cover flooding.

Key facts:

• Flood insurance must be purchased separately
• The National Flood Insurance Program (NFIP) requires a 30‑day waiting period
• You cannot buy flood insurance once a storm is approaching

Our agents can help you understand your flood zone, evaluate your risk, and secure the right coverage.

 

Wind & Hail Damage Can Happen Year‑Round

While hurricanes are the most familiar threat, South Carolina also experiences:

• Tornadoes
• Nor’easters
• Severe thunderstorms
• Sudden high‑wind events

Wind & hail damage can occur at any time, and coverage is often misunderstood. Our team will walk you through your options and help you choose the protection that best fits your home and location.

Preparing for Hurricane Season in Charleston

Since Hurricane Hugo, Charleston and surrounding areas have been fortunate to avoid another storm of that magnitude—but that doesn’t mean we’re in the clear.

Before hurricane season begins, make sure to:

• Review your insurance policies
• Prepare your home and yard
• Update your emergency plan
• Ensure your family knows what to do

Hurricane season is unpredictable but your insurance coverage shouldn’t be. Whether you need help reviewing your current policy or securing Wind & Hail or Flood Insurance, Schirmer Insurance Group is here to protect what matters most.

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