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Taylor Agency

Homeowners | Auto | Flood | Charleston Insurance Protecting You

(843) 762-1805 | (800) 933-1805
info@tayloragency.com

Hours: M-Th 8:30 am – 4:30 pm

Fr 8:30 am – 3:30 pm

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Due to COVID-19, some of our employees are working remotely.  As a result, we have temporarily closed our Summerville location.  We encourage you to please make an appointment prior to visiting our other office locations.  You can still reach your account manager or your new business agent via phone or email.  You may also reach out to our main office line (843.762.1805) or email (receptionist@tayloragency.com) for assistance.

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Hurricane Coverage: The Answers You Are Going To Need

June 6, 2018 by Taylor Agency Staff

Meteorologists have projected that this hurricane season will have average to above average activity. That may not seem so bad at first, but it only takes one storm to cause damage, disruption, or devastation. With hurricane season here, it is the time to make sure that your home is properly protected. Here are some things to remember:

Call your agent! Every homeowner’s policy is different because no two homes are alike. Different policies include different coverages. It is best to call your agent to make sure what is covered and what is not.

Know that Wind and Hail coverage and Hurricane coverage are similar, but have their differences. Wind and Hail coverage will cover any type of storm with wind or hail. Hurricane coverage will only provide coverage for named storms or hurricanes. They also have different deductibles. Taylor Agency will automatically include wind and hail or hurricane coverage in your policy.

Don’t forget a flood policy! Hurricanes and named storms can bring heavy rains and flooding. Just last year, Hurricane Harvey hit the United States causing $125 billion in damage (National Hurricane Center) coming only second to Hurricane Katrina in costs. Flood policies are not included but must be added if you want protection. The standard FEMA flood policy requires a 30 day waiting period. Unfortunately, a flood policy cannot be bound if a named storm or hurricane has developed before or during the 30-day waiting period. Even if you are not in a flood zone, keep in mind that if it can rain, then it can flood.

Talk about deductibles! Prior to a named storm or hurricane making landfall, be sure to find out what kind of deductibles your policies have. Depending on the extent of the damage, it may end up being less expensive to make the repairs yourself rather than paying the deductible. In the event that you have damage, talk to your agent to see what the best plan of action is for you and your family.

Filed Under: Personal Insurance, Homeowners, Hurricane Season

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For office closings, directions, and more, click on a location in the map.


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Hurricane Updates & Our Newsletter!

1) Receive hurricane updates to help you prepare and recover from immediately imminent hurricanes affecting South Carolina’s coastline.

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Charleston

P.O. Box 30609

Charleston, SC 29417

(843) 762-1805

Summerville

P.O. Box 2290

Summerville, SC 29484

(843) 875-5449

Daniel Island

225 Seven Farms Drive, Ste 102

Daniel Island, SC 29492

(843) 881-7822

Kiawah Island

PO Box 30609

Charleston, SC 29417

(843) 768-2440

Orangeburg

PO Box 1526

Orangeburg, SC 29116

(803) 534-3812

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