Hurricane Florence makes landfall in Carolinas

What you and your agency staff need to know

​​​​​​​Hurricane in the Atlantic Ocean just outside the Gulf of Mexico photographed from space as it approaches landfall on the US

As you aid your clients and community in preparing for Hurricane Florence, 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 Florence as it affects South Carolina. Bookmark and check for updates.​

September CIC in Myrtle Beach has been rescheduled - new dates are Oct. 24-26

From Trusted Choice:

Sadly, the biggest mistake people make in protecting themselves against hurricanes is not buying flood insurance in the first place. However, even those consumers with flood insurance can make mistakes in the storm recovery process that can cost them big bucks. Here are five of the most common pitfalls.


Trusted Choice Disaster Relief Fund

The Trusted Choice Disaster Relief Fund was extablished to help agency owners and their staff recover from disasters and provide funding for uncovered losses and expenses. 

If you have suffered a loss that meets the fund's guidelines, you can submit a grant application. Download the Disaster Relief Fund application, view fund guidelines or donate to the fund on their webpage. All applications should be signed/dated and accompanied by receipts and photographs to aid in a timely approval.

Please alert us at IIABSC (contact info at right) if you need assistance.


Data Call on Hurricane Florence Insurance Claims:   The SCDOI has reduced the number of reporting cycles required in a data call originally issued on Sept. 13 in accordance with South Carolina Code of Laws Section 38-13-160. The data call requires all authorized property and casualty insurance companies, including licensed insurers, eligible surplus lines insurers, and companies that write private and/or excess flood insurance coverage, to complete a claims reporting spreadsheet and return it to the Department. The first report is due Oct. 1, 2018.   (+  READ MORE)

Emergency Order No. 2018-EO-001Promulgation of Emergency Insurance Regulation 69-79   (issued Fri., Sept. 14)

Ray Farmer, Director of the South Carolina Department of Insurance has issued an emergency regulation to protect insurance consumers as they recover from Hurricane Florence.

Among other things, Emergency Regulation 69-79 (p.5-10) imposes a 60-day moratorium on cancellations for nonpayment of premiums and on nonrenewals for insureds directly impacted by Hurricane Florence. The 60-day moratorium began Friday, September 14, 2018 and ends November 13, 2018.

Concurrent with the regulation’s issuance, Director Farmer also issued Emergency Order 2018-EO-001 ordering persons licensed or authorized to transact the business of insurance in South Carolina to comply with the requirements of Emergency Regulation 69-79. The emergency regulation provides a number of other protections for consumers, including:​

  • Requiring insurers to consider exceptions to proof of loss deadlines and contract or underwriting requirements for those insureds directly impacted by Hurricane Florence.
  • Prohibiting insurers from canceling or nonrenewing policies solely because of claims resulting from Hurricane Florence.
  • Suspending late payment, reinstatement, or insufficient funds fees along with any other fee, penalty, or interest charge resulting from an insured’s temporary inability to submit premium payments for those insureds directly impacted by Hurricane Florence.
  • Allowing insureds to request a duplicate copy of their policy at no additional cost.
  • Permitting claims payments to be made via prepaid debit card or electronic transfer provided certain conditions are met.
  • Requiring one early or replacement prescription refill.

For purposes of this regulation, an insured directly impacted by Hurricane Florence means the insured has experienced emergency conditions that make it difficult for the insured to timely act or respond to insurance notices, documentation requests or timely pay premiums.

For more insurance information regarding Hurricane Florence, please go to

This emergency regulation and order applies to all admitted and nonadmitted carriers. Per Executive Director Smitty Harris, the SC Wind & Hail Underwriters Association will be adhering to the regulation as well. 

Bulletin 2018-10 ​:  Notice for the Purposes of Licensing Temp Adjusters and Motor Vehicle Physical Damage Appraisers (issued Tues., Sept. 11)

"...This Department has determined in accordance with SC Ann. Reg. 69-1 that the licensure of temporary non-resident adjusters and motor vehicle physical damage appraisers may be necessary."

"...This determination is effective immediately and will continue 120 days from the date of this bulletin unless otherwise extended by the Department. Individuals interested in becoming licensed as non-resident, temporary adjuster or motor vehicle physical damage appraisers may obtain the procedures and forms for licensure from the Dept.'s website at"

From NFIP:

NFIP Resource Library

Loss Avoidance Measures for Agents

​​Loss Avoidance Measures for Consumers

For social media (right-click, save as):

FEMA easy tips before the storm - English version

(Spanish version)

FEMA easy tips before the storm - Spanish version

From IIABSC member, SC State Rep. Bill Hixon:

Governor Henry McMaster, in coordination with local officials, has issued Executive Order 2018-29, which orders the evacuation of coastal South Carolina residents for their personal safety as Hurricane Florence approaches. Residents in all hurricane evacuation zones must evacuate beginning no later than NOON TUESDAY, SEPT. 11.

Evacuation shelter locations will be available on and in the SC Emergency Manager mobile app as soon as they are opened.

Evacuees should pack the following essential items in anticipation of a potentially prolonged evacuation period: required medications, adequate clothing, and essential personal items. Residents goin​g to evacuation shelters should bring their own blankets, pillows, cots, and special food items if they are on restricted diets.

Individuals and families should plan to board pets with veterinarians, kennels, or other facilities in non-vulnerable areas. Pets are not allowed inside Red Cross evacuation shelters.

The governor also issued Executive Order 2018-30, which orders school closures and closures of all state government offices for all non-essential personnel in the following counties, beginning ​Tuesday, September 11: Aiken, Allendale, Bamberg, Beaufort, Barnwell, Berkeley, Calhoun, Charleston, Colleton, Clarendon, Darlington, Dillon, Dorchester, Florence, Georgetown, Hampton, Horry, Jasper, Lexington, Lee, Marion, Marlboro, Orangeburg, Richland, Sumter, and Williamsburg.

People who live in the following coastal areas must evacuate beginning noon Tuesday. Residents who do not know their zones can visit SCEMD's "Know Your Zone" website where they can enter their address and be given their precise zones and view detailed maps of the zones.

Northern South Carolina Coast (All Zones)
Horry County Evacuation Zones A, B, C
Georgetown County Evacuation Zones A, B, C

Central South Carolina Coast (All Zones)
Charleston County Evacuation Zones A, B, C
Dorchester County Evacuation Zones D, E, F
Berkeley County Evacuation Zones B, G, H, I

Southern Coast (All Zones)
Colleton County Evacuation Zones A, B
Beaufort County Evacuation Zone A
Jasper County Evacuation Zones A, B

The S.C. Department of Public Safety and the S.C. Department of Transportation along with supporting agencies at noon Tues., Sept 11 will reverse the direction of traffic along certain evacuation routes to ease the flow of traffic away from the coast:

Charleston to Columbia: A full four-lane reversal on I-26 in Charleston will begin at the interchange of I-26 and I-526. The full reversal continues west until the I-26 crossover to I-77 just outside Columbia in Lexington County.

Horry County: Horry County has two four-lane reversals along US 501: SC 544 to US 378; and US 501: Between SC 22 (Conway Bypass) to SC 576 near Marion County.

For the Beaufort and Hilton Head area, we will poise and be ready to reverse US 278 and US 21 if traffic conditions warrant.

South Carolina's emergency helpline is now active around the clock. Anyone with questions related to Hurricane Florence should call the Public Information Phone System at 1-866-246-0133.

From SC Insurance Association:
As expected, Hurricane Florence has intensified and is currently a category 4 storm.  Florence’s center of circulation is forecast to make landfall in Southeastern North Carolina, but with a projected wind field that expands roughly 100 miles from the center, many areas in South Carolina are likely to be impacted with heavy rain, high winds, flooding, and other potentially severe weather.  

Governor Henry McMaster has declared a state of emergency for South Carolina.  Mandatory evacuations have been ordered for all evacuation zones in the state’s 8 coastal counties.  Those evacuations will begin at 12:00 p.m. on Tuesday, September 11th.  State government offices will be closed on Tuesday to reduce traffic

The SC Emergency Management Division is currently operating 24 hours/day.  

The SCDOI has canceled the Hurricane Preparedness Expo scheduled for this Saturday (Sept. 15) and is expected to issue an Emergency Regulation that will address permitting temporary, emergency adjusters, and moratoriums on cancelations and non-renewals. 



IIABSC Office - 803-731-9460

Frank Sheppard, President  
cell phone - 803-413-0364

Becky McCormack, Vice President
cell phone - 803-429-6053

Megan Thomas, Dir. Membership Services

Marie Toney
Agency Professional Liability
800-221-7917 x5427