Friday, May 17 2013 7:16 PM EDT2013-05-17 23:16:53 GMT
One person has died in a crash near Harrisonville, MO, Thursday evening. The crash happened on Missouri Highway 7 and Walker Road. It involved a car and a tractor-trailer. Harrisonville is in Cass County.More >>
Savannah Nash celebrated her 16th birthday last week. She died Thursday when her car slammed into a semi while she was texting during her first time driving by herself.More >>
Saturday, May 18 2013 11:19 PM EDT2013-05-19 03:19:44 GMT
The Charlotte Bobcats are in the process of changing their name to "Hornets," a source with knowledge of the situation told CBSSports.com's Will Brinson, including arranging digital assets that wouldMore >>
The Charlotte Bobcats are in the process of changing their name to "Hornets," a source with knowledge of the situation told CBSSports.com's Will Brinson, including arranging digital assets that would allow a return to their original nickname.More >>
Sunday, May 19 2013 7:59 AM EDT2013-05-19 11:59:01 GMT
Health officials are worried cases from a salmonella outbreak traced to a Fayetteville hotel may have spread nationwide. Officials say that 51 people who ate at the Holiday Inn Bordeaux's banquet facilitiesMore >>
Health officials are worried cases from a salmonella outbreak traced to a Fayetteville hotel may have spread nationwide.More >>
HORRY COUNTY, SC (WMBF) - Being prepared for a major storm means making sure you have the right insurance to cover your home, but contrary to popular belief, homeowner's insurance doesn't cover everything.
A separate flood insurance policy may be needed, according to local insurance experts.
The Gantt family built and has lived in their house since 1966 on Long Avenue in Conway. However, 10 years ago, water from Hurricane Floyd flooded their street.
"There was water everywhere, just water everywhere!" described Jenny.
"We would get in the canoes and oar up the Long Avenue to our house," B.G. added.
The Gantts live about 15 miles from the ocean, and according to a national flood insurance website, they live in a low-to-moderate risk zone.
"They said it was a 100-year flood zone," explained Jenny. "That we didn't need it when everyone was buying insurance for their house, so we didn't push the issue."
However, the flood waters did come right up to their front doorstep from an overflowing Waccamaw River.
"We knew we had to get out or we were going to lose everything," Jenny recalled.
The Gantts were lucky, but many others do lose everything. Some think their homeowners insurance covers everything, but it doesn't.
Flood insurance covers damage from water, if that water were to come from the ground up, be it the ocean or something else.
Maurice Stephens of Allstate Insurance says that 25 percent of flood claims are from people who live outside of a high-risk flood zone.
"Certainly don't look back at, if you're two miles or five miles back from the ocean, and determine that you need or you do not need flood insurance," Stephens explained. "It can happen to anyone at any time."
Stephens says that most times, renter's insurance doesn't cover flooding; however, the higher the risk area you live in, the more likely you'll need coverage.
According to a study by the National Climatic Data Center, floods have caused $30 million in property damage in the past 60 years in Horry County. That same study shows that a flood is likely to happen about every two years in the area.
Alicia Bastian of the Horry County Emergency Management Office says it's best to know which flood zone you live in so you can be better prepared.
"Know what the elevation of your land is, not just for flooding purposes," explained Bastian. "If you're in a storm surge zone and we have a Category 3 come along, you'll have a better idea of what to expect and what your house can handle."
However, for the Gantts, they purchased flood insurance shortly after Floyd, and now they've made sure they're ready for anything.