SC Claims Adjuster Practice Questions - South Carolina Claims Adjuster Exam

In a South Carolina hurricane claim, why is distinguishing between wind and water damage critical?

Wind and water are both excluded Wind damage may be covered by the homeowner's policy while flood damage requires separate flood insurance (NFIP) Both are always covered by homeowner's policies There is no practical difference

Correct Answer:

Wind damage may be covered by the homeowner's policy while flood damage requires separate flood insurance (NFIP)

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