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S.C. temporarily allowing out-of-state insurance adjusters

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The S.C. Department of Insurance will allow “nonresident” adjusters to assist with claims during the aftermath of Hurricane Matthew, according to a news release.

S.C. Regulation 69-1 allows adjusters without an S.C. license to enter the state to handle claims arising out of a catastrophe. The adjusters will just need a license from their home state, the news release said.

Because Gov. Nikki Haley has declared a state of emergency, the department has elected to put the regulation into effect. It became active Tuesday and will continue until further notice from the Insurance Department, the news release said.

Adjusters interested in participating should go online for more information.

Additionally, the department issued the following precautions for South Carolinians to take prior to Hurricane Matthew’s arrival:

  • Develop an emergency plan to help you prepare in case you need to evacuate your home or take shelter, and review plans with your family so that everyone is ready before the storm hits. Be mindful of pets as you make your plans.
  • Review your insurance policy and be clear about what the policy does and does not cover. Check for a windstorm, hurricane or named storm deductible and note that these are expressed as a dollar amount or as a percentage of the insured value of the home, not as a percentage of the amount of the loss. Understanding your policy will also help you understand your responsibilities in the event that your home is damaged, along with common exclusions like losses resulting from flooding or rising water.
  • Keep a copy of all insurance policies, your insurance company and agent’s phone numbers, website address and mailing addresses on hand. Your agent or company should provide you with insurance claim forms and toll-free claims office numbers and assist you in making arrangements for an adjuster to review your loss.
  • Prepare or update an inventory of your belongings. If your home is damaged or destroyed, it may be difficult for you to remember everything or fully describe what you have lost to your insurance company. Make a list of all valuables, furniture, electronics, etc. and photograph or video your possessions before a storm happens. Keep additional copies of the list, photographs and video in a safe place outside your home.
  • Make your home as safe as possible to prevent damage. For example:
    • Close and lock windows and doors to minimize the chance of them blowing open.
    • Trim trees and shrubs around your home that could damage windows or walls.
    • Move potential projectiles such as potted plants, garbage cans, lawn furniture and toys inside the home or garage.
    • Secure awnings and garage doors.
    • Clear loose and clogged downspouts and rain gutters to prevent water from backing up.
    • Move furniture and household fixtures away from exterior door and window openings. If possible, elevate these items and cover them with plastic.

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