The Supreme Court of South Carolina ruled that neither an insurer nor an agent had the duty to sell insureds the best flood insurance policy at the best rates in Houck v. State Farm Fire and Cas. Ins. Co., No. 26043, 2005 WL 2351297 (S.C. Sept. 26, 2005).

State Farm issued Standard Flood Insurance Policies (SFIPs), pursuant to the National Flood Insurance Program (NFIP), to Appellants (Homeowners) through its agent, John Mallet.