Mitigation isn’t just about safety—it’s also about savings. Coastal homeowners who take proactive steps to reinforce their homes may benefit from lower insurance premiums and better storm protection. Why It MattersInsurance companies reward homes that are built or upgraded to…
When a hurricane is approaching, it’s often too late to make major insurance changes. That’s why preparation—well before the season starts—is crucial. Why It MattersMost insurance carriers will place binding restrictions once a storm is named or within a certain…
Most people think about protecting their home during hurricane season—but what about your car? Why It MattersFlooded cars are one of the most common hurricane-related claims, and not all policies cover this type of damage. Only comprehensive auto insurance includes…
Flood zones are more than just letters on a FEMA map—they’re critical factors in determining your risk, insurance eligibility, and premiums. Why It MattersYour flood zone classification affects whether you’re required to carry flood insurance, how much you’ll pay, and…
Water damage is one of the most common—and misunderstood—insurance claims in coastal areas. Not all water damage is created equal, and not all of it is covered by your homeowners insurance policy. Why It MattersMost homeowners insurance policies cover sudden,…
Many homeowners believe they don’t need flood insurance because they’re “not in a flood zone.” That couldn’t be further from the truth…. Why It MattersTechnically, every property is in a flood zone…homeowners that say they are “not in a flood…
As hurricane season approaches, coastal homeowners in South Carolina, Florida and other states across the Southeast need to take a close look at a critical piece of their insurance policy: the wind and hurricane deductible. These specialized deductibles are common…
We’re excited to introduce the newest member of the Mappus Insurance and Afore Insurance family — Mark Gargula, a seasoned expert in marine and high-value property insurance. Mark brings with him a lifetime of experience on the water and in…
One of the most common questions homeowners face after a storm or an accident involving a tree is whether their insurance will cover the damage. In places like Charleston and Mount Pleasant, South Carolina, where hurricanes and strong storms are…
As Hurricane Debby is about to hit landfall in the Florida Panhandle, residents in Florida, Georgia, and South Carolina find themselves facing the stark reality of an active storm season, especially those residents in areas such as Charleston, Mount Pleasant…