Choice Flood Insurance, LLC

28/10/2026

A little preparation now can make documentation easier after a flood.

Start a simple home inventory checklist:
• Store important documents in a waterproof container or secure digital backup.
• Photograph each room, including furniture, appliances, electronics, and other valuables.
• Save receipts, serial numbers, and appraisals when possible.
• Keep your flood insurance policy details and your agent’s contact information easy to access.

A current inventory can help you organize the information you may need after a flood. It is a practical part of protecting your home, belongings, and peace of mind.

Would you know where to find these records if flooding occurred? Save this checklist and share it with someone who may need it.

27/10/2026

Your lender says flood insurance isn't required.

Before celebrating, ask one more question:

If my home floods tomorrow, which policy pays for the flood damage?

For most homeowners, the answer isn't their standard homeowners policy.

That is why the decision shouldn't begin and end with a flood zone.

Not Required ≠ Not at Risk.

Know what you own. Know what isn't covered. Know your options.

26/10/2026

People do business with someone they know—but when protecting your home, knowing your agent’s expertise matters, too. The difference becomes clear when you have a difficult question or a flood claim. You deserve an answer that goes deeper than “It’s just FEMA.” Understanding the policy, asking the right questions, and advocating for your benefits can make a difference in whether—and how much—a claim gets paid. Give me the opportunity to earn your trust. Choose Lisa Sharrard. Flood me with questions. Call me today!

23/10/2026

21/10/2026

Renters: your landlord’s insurance generally protects the building—not your personal belongings.

Flooding can damage the things that make your space feel like home, including furniture, electronics, clothing, and more. Renters flood insurance may help protect eligible contents when covered flooding occurs.

Understanding your flood risk is an important step, especially for renters in South Carolina and nearby communities. We specialize exclusively in flood insurance and can help you explore coverage options that fit your needs.

Ask us for a renters flood insurance quote today.

20/10/2026

Here's the statistic that should concern the insurance and real estate industries:

GAO estimates about 43% of properties inside FEMA Special Flood Hazard Areas have flood insurance.

Outside those areas?

About 2%.

Yet GAO also identified millions of high-risk properties outside the mapped areas that trigger the federal mandatory-purchase requirement.

We have a flood-risk communication problem.

"Not required" has too often become shorthand for "not at risk."
It isn't.

NOT REQUIRED ≠ NOT AT RISK.

14/10/2026

A property does not have to be in a high-risk flood zone to face flood risk.

Heavy rain, drainage problems, nearby development, and changing local conditions can all affect how water moves around a home or rental property. Flood zones are an important planning tool, but they are not a guarantee that flooding cannot happen outside a designated high-risk area.

If you own or rent in South Carolina, review FEMA flood maps and visit FloodSmart.gov to better understand your area’s risk. Then talk with us about flood coverage options that fit your property and needs.

13/10/2026

That's approximately how many high-risk properties GAO identified outside FEMA's Special Flood Hazard Areas.

Think about what that means.

A homeowner can hear:

"Flood insurance isn't required."

And interpret it as:

"I don't have a flood risk."

Those statements aren't equivalent.

Not Required ≠ Not at Risk.

Don't use the mortgage requirement as your risk assessment.

Choice Flood Insurance can help you look at your options—including both NFIP and private flood insurance.

09/10/2026

Many homeowners are surprised to learn that standard homeowners insurance generally does not cover flood damage. The same is often true for renters insurance—your personal belongings may need separate flood coverage.

For homeowners and renters, reviewing your flood protection before a storm is in the forecast is a practical way to prepare. We are here to help you understand your options and choose coverage that fits your needs.

Ready to explore flood insurance? Use our online portal to request a quote.