Our editorial policy
Useful explanations, identifiable sources, and a clear distinction between general guidance and the terms of a specific policy.
Scope
This website focuses on South Carolina residential insurance and the surplus-lines market. It discusses state-specific issues where geography or law changes the questions a homeowner needs to ask. It is not a substitute for professional advice about a particular policy, claim, legal dispute, or placement.
Sources
We prioritize South Carolina statutes, the South Carolina Department of Insurance, the South Carolina Wind and Hail Underwriting Association, and other primary government or program sources. General hazard explanations may use FEMA, the National Flood Insurance Program, and other appropriate primary resources.
Sources are listed with each guide. A source may support only a particular statement or section; it does not endorse this website. Policy examples explain a comparison method and are not actual quotes.
Dates and review status
The review edition identifies when the draft was prepared. Draft preparation does not mean the page was published, approved by a regulator, or independently reviewed by an attorney. A source-check record is maintained separately from page revision dates.
Significant content or source changes require a recorded revision. A routine rebuild does not automatically change every page's revision date.
Accuracy and limitations
Rules, forms, eligibility, market availability, and underwriting practices can change. Statements about coverage must be checked against the actual policy and endorsements. An insurance professional should explain any mismatch between an educational summary and the contract being offered.
We do not invent customer testimonials, carrier appointments, premiums, savings, reviews, or placement outcomes. Stock photographs illustrate property types and do not identify insured customers or prove coverage is available for the property pictured.
Corrections
To report a possible error, send the page address, the statement in question, and any relevant primary source to the contact email. Please do not include confidential customer records in a general correction request.