Author: Robert Phelan

Summary of Key Points After a hurricane or major coastal storm, one of the first questions an adjuster asks is simple: was this wind, or was this water. The answer determines which policy responds. For a high-value coastal home, the difference can mean tens or hundreds of thousands of dollars. For a home that is…

Summary of Key Points Every hurricane season tests the same question for coastal homeowners: is the coverage already in place, or is it still an open item. Kiawah Island and Bluffton sit in different spots along the coast, but both face the same seasonal pattern each year. For homeowners with a finished home, the review…

Summary of Key Points Building a custom home in Palmetto Bluff is an exciting opportunity to create a home tailored to your lifestyle and long-term goals. From selecting architectural details to watching construction progress, every stage represents a significant investment of both time and money. While many homeowners focus on design decisions and construction timelines,…

Summary of Key Points Bluffton continues to attract new residents thanks to its growing economy, coastal lifestyle, and convenient access to both Hilton Head Island and Savannah. As the area’s population expands, new neighborhoods and custom home developments continue to reshape the local landscape. For many homeowners, building a new home is an exciting opportunity…

Summary of Key Points Builder’s risk insurance covers a wide range of construction-period losses, but it is not all-risk insurance. The policy is built around named perils or open perils with specific exclusions, and several common construction exposures are intentionally left out. Knowing where those gaps sit is just as important as knowing what the…

Summary of Key Points Building a custom home is one of the largest financial commitments most families take on. Between materials arriving on site, contractors and subs moving through every day, and the building itself taking shape over many months, the project carries real exposure along the way. Builder’s risk insurance is the policy designed…