Filing a flood claim if you have flood insurance.

Please call, email, or fax your flood claim into the FEMA claims center.  Their phone number is 1-800-759-8656, their fax number is 406-257-1624 and their email address is To file the claim with FEMA you will need the name of the insurance company, policy number and contact information. If you need any of your policy information please call or email our office. If you need any assistance please contact our Columbia or Summerville office. FEMA requires that the claim be reported within 60 days after the loss. This will probably be changed to a longer reporting period.

Filing a flood claim if you do not have flood insurance.

When the President declares a disaster and authorizes providing Individual Assistance, FEMA’s Individuals and Households Program (IHP) can help homeowners and renters affected by the disaster with housing needs and necessary expenses.

To be considered for IHP housing assistance, the affected home must be the individual’s primary residence and it must be located in the disaster area designated for Individual Assistance. To be considered for IHP assistance for necessary expenses or serious needs, the loss must have occurred in the disaster area designated for Individual Assistance. An individual or a pre-disaster member of the household must be a United States citizen, a non-citizen national or a qualified alien.

When a disaster is declared and Individual Assistance is authorized, affected individuals are directed to register with FEMA and to make sure that the information they provide is complete and correct.

Registration can be done in the following ways:

  • Telephone. Call the toll-free number 1-800-621-FEMA (3362). Speech- or hearing-impaired callers can use the TTY number 1-800-462-7585
  • Internet. Go to
  • At a shelter or Disaster Recovery Center, via a telephone. FEMA will begin using mobile registration intake units to travel to areas where telephone service is not available.


Our Services

Our goal at Theodore & Associates is to “make it easy” for our clients. 

Simply put, to accomplish our goal we try to remove all obstacles from you getting the results that you are looking for. When you call Theodore & Associates you talk to a real person, not an automated answering system.  Our clients are assigned an experienced Account Executive that takes care of your needs the first time you call our office.  Our goal is based on being a valuable part of our clients financial success by protecting them against unforeseen, unavoidable losses, and we take pride in doing so with as little effort as possible from our client. What makes us different from our competition is our friendly, informed and professional staff and our ability to respond to our clients needs quickly. We provide old fashion service to our clients with a modern, high tech delivery system.

Business Insurance

Theodore & Associates specializes in small business insurance solutions, insurance for landlords property investors, condominium homeowners associations and non-profit organizations. Over the years we have stayed focused on insuring our specialized areas and have carefully selected the insurance companies we represent based on the unique insurance needs of our clients.  You can call us, email us, or click on the “Get a Quote” button at the top of this page, under “Insurance You Can Trust”, and complete the online application. One of our Commercial Lines Brokers will be happy to assist you.

Personal Lines Insurance

We represent a large assortment of A and A+ Rated, personal lines, insurance companies. We can usually find our clients better coverages at a more competitive price. Please give us an opportunity to earn your business. You can get a real time quote on your personal insurance by clicking on the “Auto quotes” or “Homewners quotes” button on the right side of this page under Featured Carriers.  You can also call us, email us, or click on the “Get a Quote” button at the top of this page, under “Insurance You Can Trust”, and complete the online application and one of our personal lines agents will be happy to assist you.

What makes us different?

For starters, when you call our office during business hours a person answers the phone. If your team is not available at the time of your call, you have an option of voicemail.

Most commercial insurance agencies are divided into departments in which the sales staff contacts a prospect and then turns it over to the marketing department that finds an insurance company to quote and then a service department that deals with the day-to-day processing. You usually end up with a different person each time you call. At Theodore & Associates, a team of Brokers and Agents handle your commercial account. Your team will handle your account from beginning to end. Your Lead Broker gathers your specific information, designs the tailored coverage program that fits your needs, and then negotiates with our many insurance companies for the most competitive premiums. The Lead Broker works with an In-House Broker and Agent throughout the process. That way a team member is usually available to handle your service needs.

Theodore & Associates represent an unusually large number of insurance companies. This gives us the ability to provide you, our client, with the most comprehensive coverage program with very competitive premiums. Our relationships with our insurance companies have been cultivated over many years, some going back for over a century.

Theodore & Associates has a stable and experienced staff. Our staff has been with Theodore & Associates for an average of 14 years. We have lost some staff to our competitors but many of them have come back. We pride ourselves on having a highly trained and experienced insurance staff, many with over 30 years insurance industry experience.

Our agency automation system is state of the art and secure so  that your personal information is protected.  We are also paperless so after your information is put into our secure system it is then shredded.

We look forward to serving you and providing for all your insurance needs.

Come By & See Us!

Proudly serving the state of South Carolina since 1984. We work for you. Call, email, or stop in today and let us help you!


1700 Laurel Street
Columbia, SC 29201

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204 N Gum Street
Summerville, SC 29484

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Get a Quote or call for a quote at 803-799-9979 or 843-871-3950