Flood Insurance for the Carolinas

Why Flood Insurance Matters

Just a few inches of water can result in tens of thousands of dollars in damage, yet most home insurance policies typically exclude damage caused by rising water, storm surge, overflowing creeks or tidal flooding. Flood coverage is an important consideration, whether you own a coastal home, a river-front property or a residence in a known risk zone.

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Flood Risk in the Carolinas

In the Carolinas, many homes face heightened risk from coastal storms and heavy rain events. Even homes outside of designated high-risk areas can experience loss. Factors such as elevation, proximity to water, and construction type have become more central to pricing and coverage.

What Flood Insurance Covers

While specific coverage depends on the policy you choose and the carrier, flood insurance policies may cover the structure of your home (walls, floors, built-in appliances) as well as your personal belongings. Additional coverage may be offered together or separately, depending on whether you are in a lower-risk or higher-risk flood zone.

Some key factors that influence coverage and cost include:

How your home is built (foundation type, number of floors)
Its location relative to flood elevation and bodies of water
Whether the home is occupied full-time, used seasonally, or left vacant for periods of time

How We Can Help

At SFI Group, our agents understand the particular challenges of flood risk in the Carolinas. We’ll work with you to review how your property is constructed, how it’s used, and where it sits in relation to flood-plain maps and elevation markers. Then we’ll provide guidance on your coverage options that aligns with your risk exposure.

If you own or are purchasing a home where flood risk can potentially matter, let’s discuss how flood coverage can fit into your overall protection plan. Reach out to your local Correll agent, and we’ll explain how coverage works, walk you through your options, and help you make an informed decision.

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You may also call (888) 324-0140 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.

I have had the pleasure to work with Scott Wheeler with SFI Group over the last 5+ years. SFI Group is organized,professional, and dedicated to understanding each client’s individual needs. Purchasing an insurance policy these days is not an easy task, SFI Group makes this task much easier by identifying their clients and their needs. SFI Group provides the best level of customer service one could ask for, they go above and beyond their call of duty to ensure that all homeowners are informed and comfortable with the services being offered.

All aspects of the policies are explained to where they can easily be understood and Scott is always willing to attend Board meetings to answer all questions and concerns of the homeowners. Because of Scott Wheeler and SFI Group, I feel 100% confident that I have made the right choices for my clients and for myself regarding Insurance policies. I look forward to a long-standing relationship with SFI Group.

Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.

CORRELL INSURANCE GROUP >>

1961 NC Hwy 172, Suite 109 Sneads Ferry, NC 28460 |
910-327-3388

13480 NC-50 Surf City, NC 28445 |
910-329-4443

Mailing Address |
PO Box 519 Sneads Ferry, NC 28460 |
Fax: 910-329-4449

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