The situation is SC is similar. Many insurers have packed up for the same reasons they left Florida. The same roof repair scams have been running here as well. What I don't understand about the scam is how the insurance adjuster comes out and agrees that a new roof is warranted when so frequently that is not the case. If the adjusters kept the lid on things none of this would be possible I think. It's baffling, but in the end is bad for everyone (with the possible exceptions of the roofing companies) My house is not in a flood zone, but we definitely need insurance. (we actually have flood insurance despite not being in a flood zone.)