From tropical storms off the coast to hail and severe thunderstorms inland, the Carolinas see it all. Bookmark these resources before the next event — not during it.
All links open official government and federal agency resources in a new tab.
Official forecasts, watches, warnings, and alerts for your local area. Your go-to for active severe weather events.
weather.gov →Track active tropical storms and hurricanes. Essential during Atlantic hurricane season (June 1 – November 30).
nhc.noaa.gov →North Carolina's official disaster preparedness and emergency management portal. Includes evacuation routes and shelter locations.
readync.gov →South Carolina's emergency management division — preparedness resources, active incident updates, and county information.
scemd.org →Look up your property's flood zone designation. Essential for understanding your flood risk and whether flood insurance is required or recommended.
msc.fema.gov →The local National Weather Service office serving the Charlotte metro area and most of the Carolinas. Hyperlocal forecasts and severe weather alerts.
weather.gov/gsp →After severe weather, contact us immediately at 704-845-2456 to report damage and start your claim. Document everything with photos before any cleanup or temporary repairs begin. Our team will guide you through the process step by step.
Standard homeowners insurance does not cover flood damage — this is one of the most misunderstood facts in insurance. If your home takes on water from rising rivers, storm surge, overland flooding, or overwhelmed storm drains, a homeowners claim will be denied.
Flood insurance is a separate policy, typically written through the National Flood Insurance Program (NFIP) or private carriers. Coverage is available to nearly all property owners, not just those in high-risk flood zones. In fact, more than 25% of flood claims come from properties outside designated high-risk zones.
If you've ever looked at a weather forecast and thought "I hope my basement stays dry," this conversation is worth having. We can look up your flood zone, explain your options, and get you a quote.
We offer both government-backed NFIP policies and private flood alternatives that may offer broader coverage or faster claim processing.
Most flood policies have a 30-day waiting period before coverage takes effect. Don't wait until a storm is forming to call.
Building coverage and contents coverage are separate under flood policies. Make sure both are included if you want full protection.
Your FEMA flood zone affects your rate, but properties in Zone X (minimal risk) can still flood — and often pay lower premiums for the same protection.
Don't enter a flooded basement or damaged structure until utilities are confirmed off and the area is deemed safe. Floodwater can be contaminated and electrically charged.
Photograph and video every area of damage — exterior, interior, contents. Do this before any cleanup begins. Your claims outcome depends heavily on this documentation.
Tarp damaged roofs, board broken windows, pump standing water. You're obligated to mitigate ongoing damage — but keep all receipts for emergency repairs.
Reach us at 704-845-2456. We'll initiate the claim, connect you with your carrier, and advocate for you through the entire process.