South Carolina has a population of around 5 million, with an area of 32,020 sq miles. On its north, it is flanked by North Carolina, to the south by Georgia, and the southeast by the Atlantic Ocean. Its capital is Columbia. The climate in South Carolina is humid, with hot summers throughout the state.
It has a booming tourist industry as Charleston, Hilton Head, and Myrtle Beach are all popular East Coast vacation destinations. Its affordable beaches and many golf courses attract families to holiday here. The most populous area is the Greenville-Anderson-Mauldin metropolitan area. Headquarters of the famous Michelin North America, global technology giant ScanSource, and Denny’s restaurant chain are here in South Carolina. Large corporations like Boeing have an aircraft manufacturing facility in Charleston, and the Domtar Corporation’s U.S. office is in Fort Mill.
Some of the best, up and coming places to live in South Carolina are Forest Acres, Irmo, and Seven Oaks in Columbia. Other areas are Fort Mill, Five Forks, Tega Cay, and Clemson. Beautiful homes in sylvan surroundings can be found in Mount Pleasant and James Island in Charleston, as well.
According to a report of the Federal Emergency Management Agency (FEMA), on average, 10–15 earthquakes a year below magnitude 3 occur in South Carolina. It is also prone to cyclones and tornadoes, averaging around 14 tornadoes annually! In the past, Hurricane Hazel in 1954 and Hurricane Hugo in 1989, have been two of the strongest hurricanes to strike South Carolina. Also, Hurricane Charley and Hurricane Frances in 2004 caused a lot of damage to houses. Further, in 2015 and 2016, South Carolina experienced devastating rainfall-induced flooding. Your precious home in South Carolina could be at risk due to an increased probability of cyclones, tornadoes, or earthquakes in the state as well as serious damage to your property due to plumbing leakage, electricity outage, flooding, seepage, mold, theft, fire, etc.
You will want a homeowner’s insurance from a insurer who cares for your requirements. In South Carolina, there are well-known insurance companies like Travelers Companies Inc, Liberty Mutual, Chubb, Zurich, Hartford Financial Services, Berkshire Hathaway Inc, AIG, Nationwide Mutual Group, and CNA.
According to the Insurance Information Institute, the annual premium amount paid by homeowners in South Carolina is $1269 on average, while the amount for those who rent homes is $188.
To help homeowners, following a loss, many insurance companies also offer full replacement cost coverage without deductions for depreciation, settlement of a claim in cash, and even provide for additional living expenses and extended rebuild coverage above the policy’s limit. Interpreting policy clauses and making sure that you receive an equitable settlement is rarely a straightforward process. For that, you need a public adjuster who will handle matters on your behalf. Expert public insurance adjusters take the assistance of specialists such as engineers, structural consultants, water damage restoration consultants, and others as needed.
A South Carolina public adjuster licensed by the State Department of Insurance can be your legal representative and negotiate for you during the claims process. Reach out to our experienced public adjusters to discuss your requirements.