The Wind Pool

Dated: 06/27/2018

Views: 68

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The Wind Pool

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Certain areas along the South Carolina coast are more likely to need insurance protection in the event of high winds.  The "Wind Pool" was created to help residents in certain areas get wind insurance protection when insurance companies became reluctant to provide this coverage several years ago. 

" The South Carolina Wind and Hail Underwriting Association (SCWHUA) is the residual property insurance market in South Carolina. It provides coverage for the perils of wind and hail in the coastal area of the state designated by the Legislature as "Beach." The territory is defined by state law.

Although its official name is the South Carolina Wind and Hail Underwriting Association, it is often referred to as the Wind Pool. It is an Association of insurance companies which makes wind and hail property insurance available to people and businesses in the coastal area who are not able to buy it through the standard insurance market.

In 1971, the South Carolina Legislature required the insurance industry to make wind and hail insurance coverage available to home and business owners in the coastal area. This action was necessary because some residents and business owners were unable to obtain wind and hail coverages due to close proximity to the coastline. The Association has served as a tremendous benefit for businesses and residents living in the beach region of the state." The South Carolina Wind and Hail Underwriting Association

These zip codes are included, in whole or in part, under the provisions of the Wind Pool:

29412   29429   29438   29439   29440    29451   29455   29458   29464   29466   29482   29487   29566   29568   29572   29575   29576   29577   29579   29582   29585   29588   29907   29915   29920   29926   29928

Here is a tool to help you determine if your home is part of the Wind Pool: Is my home in the wind Pool?

Useful Insurance Links:

FYI -  In determining the actual cash value of a home for insurance loss purposes, South Carolina courts typically allow adjusters to consider:  market value, current active real estate listings, economic conditions, pending contracts of sale, functional obsolescence, tax assessments, replacement cost, prior sales of the property, depreciation, real estate appraisals, age of the property, use, original cost, location, and condition of the property. 

Do you have questions about the Wind Pool? C. T. Lowndes & Company has more good information here: More on the Wind Pool


Chris DeLoach  843-270-1272

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Chris DeLoach

SERVING CHARLESTON, SOUTH CAROLINA BUYERS AND SELLERS SINCE 2001 ------------------------------------------------------------------------------------ Buying a home – or selling a home – can be one....

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