Three-fourths of these properties were considered low to moderate risk. In Harris county, nearly 135,000 homes were damaged. Eighty percent of these individuals had water in their homes or buildings and didn’t have flood insurance coverage. After our last few major storms (Hurricane Harvey), we saw flooding in these low-risk areas. I ask you to consider the facts: 20 percent of all flooding events across our nation come in areas that are considered low risk. Some real estate and insurance agents may even say you don’t need it. Sadly, many homeowners decide to forgo purchasing coverage because they believe they are safe from flooding. If your home or business is in a flood zone, that is considered a low flood-risk area. However, many of us only think about it when a big storm looms, or we have heard on the news that there is flooding forecasted or happening too close to our home. We believe that most homeowners think about Flood insurance in South Carolina at some point, maybe before buying a home or during the closing process. Do I need flood insurance in South Carolina? It is important to have flood insurance coverage in South Carolina because our beloved Cowboy State has seen a fair share of flooding, and there is likely more coming. Yet, don’t be too surprised if the answer is NO. However, you should ask your homeowners agent if you can add an endorsement to your homeowner’s policy to cover flooding. In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy. Thanks.Get a Quote Flood insurance in South Carolina Does my South Carolina homeowner insurance cover flooding? A typical South Carolina homeowners’ policy is written through Farmers, State Farm, Allstate, and Progressive, for instance, excludes flooding as something that will be covered under their homeowner’s policy. I like the way the trees look and am happy they are not Oaks, but now what? Will these have massive root systems that will get out of control and have me regret not moving them now rather than later? Any advise would be appreciated. When I got home, I measured the distance from the house and the tree stumps are 10 feet away from the house. I showed the owner pictures of the trees on my property and he assured me they were not Oak trees at all, but Red Maple. Yesterday, I was driving the area and stopped at a tree nursery to shop for Crape Myrtles to replace them with. While they didn’t look like any Oak tree that I am aware of, my thought at the very beginning was to have the trees removed. While I never heard of Water Oaks, I did now that I didn’t want any type of tree this close to my home out of concern for the root system getting out of control and causing damage. Before I did my own research, I was told that the trees were Water Oaks and not Red Maple. My initial thought was that the trees are too close to the house. The builder planted two Red Maple trees on the side of my house. The Red Maple tree is over planted, but justifiably so because of its stunning beauty and tolerance of adverse soil conditions. The Red Maple does however have much better structure than the Silver Maple tree. Proper pruning is recommended to develop a central leader because this tree tends to have too many co-dominant stems. The Red Maple can have some insignificant issues like tar spot and eriophyid mites, but these are not concerning issues. I recommend planting in very small mulch rings or very large mulch rings to avoid this common issue. NOTE: Red Maple trees planted in 4-6 foot diameter mulch rings tend to develop circling roots which can become girdling roots. This is a common problem that can sometimes make mowing difficult. In heavy clay soils, larger roots of the Red Maple tend to surface. The Red Maple tree is a quick growing tree with an average growth rate of around 1 foot per year. Note: If the pH of the soil is high, it can be a sign of manganese deficiency. Red Maple trees can be planted in spring or fall and tend to like slightly acidic soil. The ball should be 10 inches in diameter for every inch of caliper. I always recommend using balled and burlap trees or planting stock.Ī balled tree would contain a large ball of dirt at the base. Typically Red Maple trees should be planted in the spring or fall, some people prefer spring.
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