Hurricane Matthew

Insurance Claims Information

Auto, Homeowners and Property Insurance:

  • Report any non-flood insurance claims by contacting your agent or insurance company.
  • Claims Phone Numbers for Insurance Companies 
  • For SC Wind and Hail Underwriting Association (SC Wind Pool) information, go to
  • Home Inventory Checklist
  • Homeowner's Resource Page
  • Tip: Your insurance company may reimburse the expenses of temporary repairs, so keep all receipts.

  • Flood Insurance:

  • Report a flood insurance claim by contacting your agent or insurance company.  Find their toll-free number here.
  • Tips for Filing Your Flood Insurance Claim
  • The NFIP Flood Claim Process
  • NFIP Residential Policies: What's Covered
  • NFIP Commercial Policies: What's Covered
  • NFIP Flood Insurance Claims Handbook
  • For additional help, contact the National Flood Insurance Program (NFIP) by calling 1-800-621-FEMA (3362) or view their website for more information.
  • NFIP Proof of Loss Extension for Hurricane Matthew Claims
  • NFIP Proof of Loss 2nd Extension for Hurricane Matthew Claims

  • FEMA Individual Assistance
    1-800-621-FEMA (3362) │ E:
    Hours: Daily 7am - 11pm

    Federal aid is available for residents of the following South Carolina counties:
    Allendale, Bamberg, Barnwell, Beaufort, Berkeley, Calhoun, Charleston, Chesterfield, Clarendon, Colleton, Darlington, Dillon, Dorchester, Florence, Georgetown, Hampton, Horry, Jasper, Lee, Marion, Marlboro, Orangeburg, Sumter, and Williamsburg 
    Source: (as of 10/25/16)

    Federal disaster assistance for individuals and families can include money for temporary rental assistance and essential home repairs for primary homes, low-cost loans to cover uninsured property losses, and other programs to help survivors recover from the effects of the disaster.

    Check your Eligibility for Individual Assistance: Enter your address at to see if your area has been declared for individual assistance.

    Applying for Individual Assistance:
    1. To apply for assistance go to:
    2. Click “Apply Online”
    3. The application will take 18-20 minutes.
    4. You will need to know the following to apply:
    (a) Social security number; 
    (b) What type of insurance you currently carry (ex. homeowners, flood, automobile, or mobile home insurance);
    (c) Damage information (including type of disaster and type of dwelling or vehicle damaged);
    (d) Family's total annual household income (before taxes); and
    (e) Good contact information.
    5. Have pen and paper available to record information during the registration process. Be sure to write down your FEMA Registration ID # to keep for future reference.  If you do not have a FEMA Registration ID #, you will not receive services.

    For technical problems: 1-800-745-0243
    For help with your application: 1-800-621-3362

    Check the Status of Your ApplicationCreate a login to monitor your account through; you can monitor messages from FEMA, upload documents, and update personal information.

    **Note: Individual Assistance may be available in additional counties at a later date.  If your county has not yet been declared for Individual Assistance, please consider reviewing the Application Checklist to begin preparing the information you would need in order to apply.  You can also check your county's eligibility regularly at (scroll down to the map and click on South Carolina).**

    SBA Loans: The U.S. Small Business Administration (SBA) provides loans to homeowners, renters, businesses, and private non-profit organizations to repair or replace real estate, personal property, equipment and business assets that have been damaged in a disaster.  For more information, go to, call 1-800-659-2955 or email

    Click here to see where SBA Business Recovery Centers are located. 

    To be considered for all forms of federal disaster assistance - including FEMA assistance and SBA loans - you should register with FEMA at or by calling 1-800-621-FEMA (3362).

    Other Types of Recovery Assistance:

    2-1-1: Anyone with unmet needs should call 2-1-1 to be connected to local relief for unmet needs like food, clothing and shelter

    Debris and Mold Cleanup:
    Residents with damage from Hurricane Matthew can call 1-800-451-1954 to request volunteers from Helping Hands to assist with debris and mold cleanup

    After Matthew - Quick Links for Recovery Resources:

  • Find a Disaster Recovery Center Near You (for a complete list, visit the FEMA SC Hurricane Matthew website)
  • SBA Opens Business Recovery Center in Hilton Head, South Carolina
  • Ways to Volunteer or Donate (SC Emergency Management)
  • FEMA: South Carolina Hurricane Matthew (DR-4286) website
  • SC Emergency Management:
  • Road Closings and Current Road Conditions (SCDOT)
  • Disaster Unemployment Assistance for Employees and Employers (SC Department of Employment and Workforce)
  • Beware of Disaster Scams (South Carolina Department of Consumer Affairs)
  • Follow SCDOI on Facebook & Twitter

  • Regulatory Guidance & Information for the Insurance Industry

    SCDOI Official Regulatory Guidance:
    Emergency Regulation 69-78
    Counties Included:
    Allendale, Bamberg, Barnwell, Beaufort, Berkeley, Calhoun, Charleston, Chesterfield, Clarendon, Colleton, Darlington, Dillon, Dorchester, Florence, Georgetown, Hampton, Horry, Jasper, Lee, Marion, Marlboro, Orangeburg, Sumter, and Williamsburg as well as any other counties designated for individual assistance by FEMA after 10/21/16.
    (See definition of "impacted area" in Section 2, subsection (5), as amended.  The above list reflects all counties included in the definition as of 10/25/16.)


  • Questions?
  • Insurers should send questions regarding the emergency regulation or emergency order to

  • Additional Regulatory Guidance/ Information for the Insurance Industry
  • FAQs - Emergency Regulation 69-78 and Data Call
  • Notice of Data Call - Data Call Relating to Hurricane Matthew Insurance Claims
  • Bulletin Number 2016-07- Notice of Unusual Circumstance/Catastrophe Insurance Declaration for Hurricane for South Carolina due to Hurricane Matthew for the Purposes of Licensing Temporary Adjusters
  • Re-Entry Permitting Process for Licensed Adjusters & Emergency Adjusters
  • Re-Entry Permitting Process for Emergency Appraisers

  • SCDOI Media Releases:

  • Media Release - Director Adds Additional Counties to Emergency Insurance Regulation (October 24, 2016)
  • Media Release - Post-Matthew Town Hall Meeting on Edisto Island with Mayor Jane Darby (October 20, 2016)
  • Media Release - Post-Matthew Town Hall Meeting in Walterboro, SC with Senator Bright Matthews (October 19,2016)
  • Media Release - SCDOI Hosts a Catastrophe Claims Center in Florence, SC (October 17, 2016)
  • Media Release - Post-Matthew Town Hall Meeting in Beaufort, SC with Representative Erickson (October 12, 2016)
  • Media Release - SCDOI Hosts Catastrophe Claims Center in Bluffton, SC (October 11, 2016)
  • Media Release - Director Issues Emergency Insurance Regulation to Assist Consumers in Coastal Counties (October 10, 2016)
  • Media Release - Making the Claims Process Easier: What Consumers Should Know When Faced With a Loss (October 10, 2016)
  • Media Release - The South Carolina Department of Insurance Encourages South Carolinians to be Storm Ready (October 3, 2016)

  • Contact Our Office of Consumer Services with Questions 

    The SCDOI's Office of Consumer Services can help answer your questions about home or other types of insurance.

    Email: │ Call: 803-737-6180 │ Toll-Free: 1-800-768-3467
    8:00 a.m. - 6:00 p.m. (Mon. - Thurs.) and 8:00 a.m. - 5:00 p.m. (Fri.)

    File an Insurance Complaint  

    If you're having a specific problem with an insurance company, broker, agent, or adjuster, file a complaint with our Office of Consumer Services at

    Report Suspected Insurance Fraud to the SC Attorney General's Office
    If you suspect someone has committed any type of insurance fraud, call the South Carolina Insurance Fraud Hotline toll-free at 1-888-95-FRAUD or complete the Insurance Fraud Complaint Form online. You don’t have to reveal your identity.  For more information about insurance fraud, go to

    Report Suspected Price Gouging to the SC Attorney General's Office
    The South Carolina Attorney General's Office is requesting all suspected instances of price gouging to be reported.  Please send the name and location of the establishment, the price they are charging, and any examples or documentation of the alleged price gouging.  

    Email: │ Call: 803-737-3953 │ Tweet: @SCPriceGouging
    For More Information: SCAG Price Gouging Webpage or SCAG Media Release

    Storm Preparedness: Ways to Prepare for And Why it is Important

    Hurricane season begins June 1st and continues throughout the month of November. Consumers should review their insurance policies, revisit or create a home inventory and update their family emergency plans now so that they are prepared.