Ian just flooded your SC home, now what? Follow these insurance claim tips [The State]

Just because you have flood insurance doesn’t mean you’ll automatically get everything out of it when the time comes.

Ian was downgraded to a tropical storm after wrecking parts of southwest Florida, but is expected to reach near hurricane-level strength again when it reaches South Carolina — bringing with it heavy rain and potential flooding on Friday and Saturday.

Having proper flood insurance is great, but that’s still just a start. There are steps homeowners can and should take to get the most out of their insurance and as quickly as possible.

Here are tips on filing flood insurance claims, according to the South Carolina Department of Insurance and the Federal Emergency Management Agency.

Homeowner’s Insurance is not flood insurance

Homeowner’s insurance typically doesn’t cover flood damage from water that enters a home by street flooding, an overflow of a creek or river or from storm surge.

Immediately after flood

After reporting your loss

Before the adjustor arrives

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