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Palmetto State News

Wednesday, January 22, 2025

Guidance provided for navigating insurance claims after Tropical Storm Debby

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Brad Close President | NFIB South Carolina

Brad Close President | NFIB South Carolina

Tropical Storm Debby has impacted the Georgia and Carolina coasts this week, bringing significant water and wind damage. The storm was reported swirling over coastal regions on Wednesday, with rain bands causing inland waterways to swell as it moved northward.

ABC News 4 shared updates and a photo gallery from the Associated Press, highlighting the ongoing situation. Meanwhile, the South Carolina Department of Transportation (SCDOT) advised residents to avoid travel unless necessary due to challenging road conditions caused by ponding water. "SCDOT crews continue to work around the clock to respond to the impacts of the storm," stated SCDOT in a social media post.

For those affected by Tropical Storm Debby, dealing with insurance claims can be challenging. It is recommended that individuals contact their insurance company once the storm passes to inquire about coverage types, claim processing times, and whether repair estimates are needed.

Temporary repairs can be made to prevent further damage; however, extensive permanent repairs should wait until after an adjuster assesses the damages. Documenting losses through inventories and photographs is essential for expediting claims. It is also advisable to obtain written bids from licensed contractors for repair work.

After settling claims and beginning repairs, policyholders should review their insurance coverage with their agents to ensure adequate protection for future incidents.

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