As you aid your clients and community in preparing for Hurricane Dorian, we wanted to be sure that you had our contact information handy and urge you to please contact us with whatever you may need in order to do so.
We will update this page as we receive information and links relating to Hurricane Dorian as it affects South Carolina. Bookmark and check for updates.
SCDOI Hurricane Dorian Data Call
In accordance with South Carolina Code of Laws Section 38-13-160, the South Carolina Department of Insurance has issued a data call relating to Hurricane Dorian insurance claims. All licensed property & casualty and approved surplus lines insurers must submit completed reports.
The first report is due Monday, September 23, 2019 for claims reported as of Wednesday, September 18, 2019. In the event a company has no claims to report and does not anticipate any claims to be reported, only one report is required indicating that there are no claims. If the company receives relevant claims at a later date, then it should begin reporting in subsequent submission windows.
Update Friday, September 6
As of this morning, the Department of Insurance has NOT issued a moratorium on insurance policy cancellations and non-renewals. If you have policy renewals that are affected by the storm, please alert Frank Sheppard.
SCDOI Bulletin 2019-08 - Add'l Assistance for Insureds and Covered Persons Directly Impacted by Hurricane Dorian
Hurricane Dorian has caused substantial damage along the coast and inland areas of South Carolina. As part of the state's recovery efforts, this bulletin is to advise all isurers, that the Director of Insurance expects the industry to work with those citizens and businesses directly impacted to provide relief from certain insurance requirements. View bulletin for a list of examples.
SC DOI Bulletin 2019-07 - Emergency Adjusters and Appraisers for Hurricane Dorian
South Carolina may be impacted significantly by Hurricane Dorian. Based upon the potential for significant damage and catastrophic losses, the Department has determined in accordance with SC Code Ann. Reg. 69-1 that the licensure of temporary non-resident adjusters and motor vehicle physical damage appraisers may be necessary to assist with the evaluation of claims after the storm. Those interested may obtain procedures and forms for licensure at www.doi.sc.gov/emergencyadjuster. Instructions for how to process emergency permits may also be found there.
Emergency Adjuster and Re-Entry Permitting site (SCDOI)
From SC Team E&O:
Check your policy for catastrophe extra expense coverage
The coverage is available through many E&O insurance carriers in the marketplace and provides coverage for insurance claim processing related expenses for clients affected by a catastrophic event. Coverage is of course subject to the terms, conditions, and exclusions of your E&O policy and endorsements.
Examples of how this coverage could apply:
- Your agency computer system would not reboot up after the storm and you had to call in a vendor for assistance (so you could access client records to assist them in terms of reporting claims, etc.);
- Your agency had to purchase cell phones or equipment to use at an alternative space, so the agency could contact/assist clients because you could not access your office;
- Your agency had to rent or purchase a generator to power your office, so you could assist clients with claims, etc.