The people of South Carolina have experienced one of the biggest natural disasters in modern times. The lawyers at Howell & Christmas are working with the South Carolina Association of Justice and the South Carolina Bar to discover ways that families can be assisted in dealing with the losses they have suffered due to the floods.
Many people do not know that a typical homeowner’s policy does not cover flood damage. When a hurricane occurs, home owners can successfully argue that wind driven water was a source of damage. People who have experienced home damage due to the record-setting flood waters do not have this ability. If you do not have a separate rider for flood damage, you may be paying for damage out of your own pocket.
Because President Obama has declared a federal disaster in eight South Carolina counties, those who are not covered with flood protection from the National Flood Insurance Program may still find relief. The counties covered under a federal relief program are Williamsburg, Richland, Orangeburg, Lexington, Horry, Georgetown, Dorchester and Charleston. It is expected that more counties may be covered as actual damage from these floods is assessed. If you feel that you may be entitled to benefits, you can contact FEMA at 800-621-3362 or by visiting www.disasterassistance.gov. Unfortunately, though these funds are available, it can take months for claims to be processed, and the monies received often do not cover the extent of one’s losses.
We know that the recent storms and rising waters will not dampen the overall spirit of the state. Residents here are known for their resiliency in the face of disaster, and today is no different. Some home owners may find that they need assistance in having their insurance claims resolved. Our team of attorneys will be working with legal organizations to provide free legal assessments for home owners who have been affected by the floods. Free legal assistance is available to you. It is up to all of us to work together to be sure that our neighbors are able to put their lives back together. If you have been negatively impacted by the floods, please call Howell & Christmas for more information on the assistance that is available to you.