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Wind & Hail Insurance

Wind & Hail, Named Storm, Hurricane. Do you know the difference? Do you have a percentage deductible of 3 or 5%? Let our experienced personnel evaluate your situation and come up with options for you.

Wind & Hail – Damage from any "wind event" or hail event will trigger this deductible.


Named Storm – Damage from a storm which has been given a "name" by the National Weather Service or US Hurricane Center will trigger this deductible. Ex- Tropical Storm or Hurricane "Andrew"


Hurricane – Damage from a "Hurricane" as categorized by the National Weather Service or US Hurricane Center will trigger this deductible.


With offices on Hilton Head Island, Charleston and Myrtle Beach, PC&L Agency stays ahead of the curve when it comes to wind coverage. Where many carriers such as State Farm, Nationwide, & Allstate are now excluding wind coverages, raising rates or non-renewing policies all together, PC&L Agency has agreements with multiple carriers that wish to expand their writings along the SC Coast – even in the SC Wind & Hail Pool. Great premiums, lower deductibles, better coverage and pay options are yours to be had.

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