The 5 Most Common Home Insurance Claims in South Carolina

Posted on Homeowners Insurance January 4, 2019

Most Common Home Insurance Claims in South Carolina-bulldog adjusters south carolina public adjusterSouth Carolina home insurance claims got a lot of attention last year as the state dealt with record flooding from Hurricane Florence. But that catastrophe aside, what are the most common South Carolina home insurance claims and what can we learn from them? As it turns out, the most common South Carolina home insurance claims are a lot like other states. Wind, water damage and flooding all have their place. 

Here is a wrap up of the five most common South Carolina home insurance claims and what to do if you are dealing with one of them. 

Wind damage: One of the most common South Carolina home insurance claims

According to a study cited by the Insurance Journal, exterior wind damage is one of the most common South Carolina home insurance claims reported. Exterior wind damage makes up 25 percent of all reported claims. Exterior wind damage can occur during storms, tropical systems, hurricanes, and tornadoes. Wind can damage roofs, windows, fences and other structures on the property.

Exterior wind damage is also expensive to repair causing more homeowners to file claims. Wind damage to the outside of the home is one of the most common South Carolina insurance claims.

For added protection against wind damage, look for wind resistant construction features. You may wish to install hurricane resistant windows and garage doors. Also, keep trees healthy and trim limbs that hang over the home.

Water damage and South Carolina home insurance claims

Water damage claims are one of the most common South Carolina home insurance claims, and they can be the costliest. Water damage claims typically arise from either weather such as a rainstorm or hail storm, or a household accident such as a leaking faucet or pipe burst.

Non-weather related water damage claims are more common than weather-related water damage claims. Homeowners should be vigilant about potential water damage in their homes. Water damage claims have the best outcome when they are discovered and repaired early.

Appliances can also be a significant source of South Carolina home insurance claims. Any appliance in your home that is connected to a water source should be checked periodically for proper working condition. Water connected devices can include everything from your washing machine to your ice cube maker.

As far as South Carolina home insurance claims, water damage ranks among the top. Here are a few signs of water damage that homeowners should be on the lookout:

  • Warm spots on the floor: Leaking hot water pipes can often cause warm spots on floors.
  • Discoloration on the ceiling: Roof leaks are often discovered when there is damage to the ceiling. Roof leaks are common South Carolina home insurance claims. Homeowners should watch carefully for discoloration on the ceiling and other signs of a leaking roof. 
  • Lifting tiles: Slab leaks are costly and common South Carolina home insurance claims. Slab leaks are often detected when floor tiles lift, crack or warp.

Flooding is a problem for most South Carolina home insurance claims

Last year’s Hurricane Florence shed light on a growing problem in South Carolina – the lack of flood insurance. Hurricane Florence made landfall as a Category One hurricane doing little wind damage to the state but unleashing torrential and catastrophic flooding. The vast majority of those affected in South Carolina were homeowners with no flood insurance.

Flood is a growing concern among South Carolina home insurance claims and homeowners must make sure they are protected for this growing risk. Talk to your trusted insurance professional about securing flood insurance coverage.

Fire damage and South Carolina home insurance claims

Home insurance policies were originally designed to protect homeowners from the risk of fire. So, coverage for fire is included in almost all South Carolina home insurance claims. Fire losses are costly and can take a long time to settle and repair. There may be official investigations by the fire department, and your home may have to undergo inspection before you can move back into it.

Catastrophic fires can displace you for many months or up to a year. Follow these safety tips:

  • Protect your home with working smoke detectors and fire extinguishers on every floor
  • Have an evacuation plan in place and practice it with your family
  • Keep grills or outdoor cooking equipment at least three feet away from your home
  • When operating space heaters, keep them at least three feet away from other objects that may be flammable

Other property damage and South Carolina home insurance claims

While weather and fire-related claims tend to get most of the attention, many types of other property damages can cause South Carolina home insurance claims. Non-weather related property damage is one of the most common causes of claims. Property damage claims can include:

  • Damage to your window when the neighborhood baseball game got a little out of control
  • Your teenage son accidentally tosses a smoke bomb into the hot tub and ruins the pump
  • Your friendly FedEx driver is in a hurry and runs over your mailbox

The point to keep in mind about South Carolina home insurance claims that don’t involve weather is that if there was an accident that caused some damage to your home, there might be coverage under your home insurance policy.

Another point to keep in mind when dealing with a property damage claim is your deductible. Many homeowners are selecting higher insurance deductibles to try to keep their premium costs down. So, if your home insurance deductible is $5,000, the cost to repair that mailbox is likely going to be under your deductible. In a case such as this, you may choose to pay out of pocket instead of filing a claim.

If you aren’t sure if you should file a claim or if your damage is covered, contact an insurance professional for help.

Common South Carolina home insurance claims

It’s worth mentioning that homeowner policies also include coverage for liability claims. Liability isn’t the most common type of South Carolina home insurance claim, but the coverage is there if you need it. Liability coverage protects you if you’re responsible for injuring someone or damaging someone’s property.

South Carolina home insurance claims can involve wind, flooding, weather events, fire or even theft. If you have some damage to your home and aren’t sure if your claim is covered, contact Bulldog Adjusters for a free home inspection.

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