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How Will a Hurricane Impact Charleston?

June 3, 2014 by Kadi Quinn

The past few hurricane seasons have left some of us complacent. We have been lucky to dodge bullets in the past years, but what impact will a hurricane have on our area? A wonderful article was published in the Post and Courier on  Wednesday, March 5 of 2008. Tony Bartelme wrote the following article outlining the various categories of hurricane strength and how each will effect Charleston.

 

“A Category 2 hurricane would turn much of downtown Charleston and Mount Pleasant into a soggy flooded mess, according to special computer-generated maps used by emergency officials.

A Category 3 storm surge, meanwhile, would flood all but a few patches of higher ground east of the Cooper and turn Savannah Highway into Savannah Causeway.

And a Category 5? Break out the snorkels.
Wet and Wetter

View the map of which areas would flood in different hurricane-intensity scenarios.

The National Hurricane Center generates these storm surge maps using the little-known but well-named computer model called SLOSH, which stands for Sea, Lake and Overland Surges from Hurricanes.
Government agencies then use the SLOSH data to decide which areas to evacuate and when.
A poster of an interactive version of the model is being displayed at the federal Interdepartmental Hurricane Conference in Charleston this week. The version allows users to single out individual landmarks and get a vertical look at how deep the water would be at that landmark. The model is in development.
Hurricanes are notoriously fickle and can arrive in an infinite number of directions, speeds and tidal levels. This makes predictions of their impacts just as tricky.
Still, a SLOSH map obtained by The Post and Courier and generated for a hypothetical direct hit on Charleston provides an intriguing snapshot of how the city might fare in certain hurricane scenarios. It’s also a bit of a reality check for Hurricane Hugo veterans.
When Hugo spun into South Carolina, the storm’s sustained winds in downtown Charleston were 87 mph with a 108-mph gust, and a 10.4-foot storm surge in the harbor.
By most measures, Hugo put downtown Charleston in Category 1 and 2 conditions. It was a different story in the Francis Marion National Forest, 30 miles north of downtown. There, winds were at Category 4 levels — 130 mph and higher. The storm surge in McClellanville hit 19 feet, so high that shelter seekers in Lincoln High School nearly drowned.
Partly because of Hugo and the Lincoln High School incident, the National Hurricane Center created SLOSH to simulate storm surges for different hurricane intensities and directions, said Doug Marcy, a scientist at National Oceanic Atmospheric Administration’s Coastal Services Center in Charleston.
The newspaper obtained SLOSH calculations for a hurricane with an eye coming in south of Kiawah Island. This reflects more of a worst-case scenario for the city because surges are higher in a storm’s northeastern quadrant.
In a Category 1 storm, a surge of 7 to 10 feet would have a relatively minor effect on the area, the calculations show.
Floodwaters would fill the area’s marshes and low-lying areas on the peninsula and the sea islands. But parts of the Isle of Palms and other barrier islands would still remain above water.
That changes dramatically in a Category 2 storm with a surge of 12 feet. In this scenario, the barrier islands all but disappear and most of downtown Charleston and James Island flood.
In Mount Pleasant, the only dry ground would be along Johnnie Dodds Boulevard, which is built on an ancient sand ridge. In this Category 2 scenario, floodwaters would begin to march into North Charleston toward Park Circle. And for the first time since it was developed, most of Daniel Island would temporarily lose its island status and become a seabed.
In Category 3 surge, most of West Ashley goes under water, along with a few specks of downtown Charleston.
In a Category 4 scenario, a 15- to 20-foot surge inundates much of Johns Island, while floodwaters on the Charleston Neck are neck deep.
A Category 5 scenario? Some parts of Charleston would be under more water than the low areas of New Orleans after Katrina.
Forecasters caution that SLOSH maps aren’t perfect. They say the calculations have a 20 percent margin of error, and they also don’t take into account tides, which could add or subtract a few feet of surge depending on a hurricane’s timing.
Still, they offer an important lesson: For much of the immediate Charleston metro area, Hugo wasn’t a worst-case scenario.
“Hugo was an awful storm but had it moved south and come in over Kiawah, we could have had 18 to 20 feet of storm surge, instead of the 10 feet we got on its backside,” Marcy said.
Reach Tony Bartelme at tbartelme@postandcourier.com or 937-5554.”

Filed Under: Uncategorized

Buying an Older Home? You may need a 4-Point Inspection, but what is it?

March 12, 2014 by Kadi Quinn

Many companies in the Coastal Market are requiring a favorable 4-Point Inspection be submitted on homes older than 30-40 years on average. Without this 4-Point Inspection these companies (that typically have lower rates) will not even look at the home to quote! So, WHAT IS A 4-POINT INSPECTION?

A 4-Point Inspection is an inspection done on the four main systems in the home to show their condition and expectant life ahead among other things. Broken down, this is the typical information you will see requested on a  4-point:

(1) Roof: What is the Roof Material? What is the Age of the Roof? What is the Condition of the Roof? Estimated Remaining Life? Any Damage or Deficiencies?

(2) Electrical: Amps? Wiring Material? Any Knob and Tube or Aluminum Wiring? Age? Condition? Estimated Remaining Life? Any Damage or Deficiencies?

(3) Plumbing: Does the plumbing incorporate any PEX or Polybutylene materials? Any known leaks? Age? Estimated Remaining Life? Any Damage or Deficiencies?

(4) HVAC (Heating and Air): Age? Condition? Estimate Remaining Life? Any Damage or Deficiencies?

You can see, the 4-Point inspection is nothing to shy away from if your agent recommends this be done. If you are buying a new home, home inspectors can do this while doing your home inspection. You simply need to ask your agent for a copy of the 4-Point Inspection form prior to the home inspection to give to the inspector. If you have done a major renovation, the contractor that completed the work could complete this easily and quickly. If you currently reside in the home or are not getting a home inspection, any licensed inspector could complete this for you.

What are the benefits of providing your agent with a 4-Point Inspection? Insurance in the Coastal Areas, such as Charleston, are more expensive to insure in and have more limited markets than other areas. This 4-Point inspection form could open up many more markets on your home leading to a significant decrease in premium.

Any questions? Give one of our professional a call! 843-881-2229.

Filed Under: Uncategorized

Earthquakes in South Carolina – Should I have Coverage?

February 18, 2014 by Kadi Quinn

In the process of buying a homeowners policy whether you are shopping on renewal or purchasing a new home, you are probably asked the question “Are you interested in earthquake coverage?”. Some may give it some thought, but ultimately decide that this is a risk they are willing to take living in the Low Country. After all, aren’t hurricanes and tropical storms our main concern on the coast? Before you are too quick to delete this coverage or opt to not add it to your homeowners policy, let us look at the facts.

(1) There is a major fault line in Summerville and earthquakes produce wide ranging damage.

(2) There is not enough evidence for the Low Country specifically to accurately indicate when the next large scale earthquake will occur, but we have experienced much earthquake activity in the last few years.

  • In 2012 – 6 earthquakes originated around the Summerville area
  • In 2011- 5 earthquakes originated around the Summerville area
  • In 2010 –  1 earthquake originated around the Summerville area

Please visit www.scearthquakes.com for more information on the above figures.

(3)  Research on the site  www.scearthquakes.com shows that Charleston, Dorchester and Berkeley counties are in the most high hazard areas for major damage. (Zones X and IX)

(4) Earthquakes can pose threats to your property in a multitude of ways. Along with the shifting of the earth’s surface that causes structural damage, there is a high likelihood of fire due to downed power lines and gas pipe breakage and flooding.

(5) Let’s not forget the Charleston Earthquake of 1886 that was one of the most destructive earthquakes in the South.

In most cases, earthquake insurance can be added to your policy for a minimum premium charge. If you are unable to add this coverage to your homeowners policy, there are markets that will write a stand-alone earthquake policy for you. If you are interested in talking more about this coverage, please call one of our experts today!

* Information from this article was obtained from the website www.scearthquakes.com that is maintained by Richard N. Côté, director of the South Carolina Earthquake Awareness Project.

Filed Under: Uncategorized

Rolling out a new ad in the winter issue of Charleston Home and Design Magazine!

November 14, 2013 by Kadi Quinn

Be sure to check out our new ad in the winter issue of Charleston Home and Design Magazine. We can always count on Sam Johnson to create a crisp, clean and visually attractive ad that fits our brand perfectly. Thank you, Sam for all your hard work! Let us know what you think!

Click the link below for a preview!

NEWAD2013

Filed Under: Uncategorized

Halloweeen – Avoid Nightmare Claims!

October 22, 2013 by Kadi Quinn

No one associates Halloween with insurance claims – what could possibly happen on such a fun holiday? Think LIABILITY…

Here are a few pointers on how to keep your Halloween fun and claim free:

(1) DRIVE CAREFULLY – Avoid distractions while driving (including CELL PHONES), Look for children darting out into the street, and DRIVE SLOWLY.

(2) MAKE YOU PROPERTY SAFE: clear pathways of toys, wires, etc. and light your walkway and porch. This lessens the likely hood that someone will fall or trip and leave you liable.

(3) KEEP PETS AWAY FROM THE DOOR: Even if you  have the sweetest old Labrador retriever in the world, keep it out of the commotion. Not only can this help your dog from being anxious, but also eliminate any animal liability threat.

(4) TREATS: You are responsible for what you hand out to children. Hand out individually  prepackaged candy.

(5) Jack – O- Lanterns: We all love them, but don’t leave that candle burning by accident! Or, avoid flames all together with battery operated candles for your pumpkins this year!

We hope you have a fun filled and safe Halloween Night!

Filed Under: Uncategorized

Does your higher percentage wind and hail deductible make you antsy?

October 16, 2013 by Kadi Quinn

Most companies include a higher deductible for windstorm and hail on your property insurance on the coast. This deductible is usually a percentage amount of your dwelling limit.

For example:  You have a $200,000 dwelling limit on your homeowners policy with a 3% wind and hail deductible, your actual deductible is $6,000.

Why not open a “Catastrophe Savings Account”?  This account allows you to set money aside, state income tax-free, to pay for qualified catastrophic events.  The amount you contribute can also be deducted from your state incomes tax return.  Sounds great, right? Check out the SC Department of Insurance Web Page for more information!

http://doi.sc.gov/faq.aspx?qid=157

 

Filed Under: Uncategorized

Hurricane Kit Essentials – Prepare now!

July 17, 2013 by Kadi Quinn

Many know the basics to include in their hurricane kit and many do not even think to prepare one. Prepare now or run the risk of not being ready when disaster hits. You should have preparations ready for your family for at least 2 weeks.

Here is a great list of items to maintain in your hurricane kit:
1. Jugs of filtered water, bottled water or a water filter.
2. Canned Food Items and Non-perishables.
3. MANUAL can opener.
4. NOAA Weather Radio (battery powered)
5. Flashlights
6. Personal Fans for each family member
7. Batteries
8. Extra Clothing
9. Medicine
10.First Aid Kit
11. Whistle (to alert for help if needed)
12. Cell phones and chargers that can be charged using battery power.
13. Your Insurance Policies, Company Claim’s Numbers, Name of Agent and Agent Contact Number
14. Inventory of the contents in your home. This can be done by a video of each room, photos or a comprehensive list with approximate values associated with each item.

An easy way to build a hurricane kit is to go buy a large rubber bin, load your essentials in it and store it out of the way. Then you are prepared and do not have to fight the mad dash to get your essentials when a storm threatens your area.

Filed Under: Uncategorized

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