What a storm claim looks like on Charleston roofs.
When a named storm pushes up the harbor, the peninsula takes wind from the water on three sides and tidal surge from below. Steep single-house roofs South of Broad and along the Battery catch wind at the ridge and the piazza edge, and terne and standing seam seams open where the metal has fatigued. From the street that damage is easy to miss.
After a storm we photograph every slope, write the scope in carrier format and meet the adjuster on your roof. For a BAR-district home we also document the existing profile so the insurance scope and the Board submission describe the same roof.
The peninsula's claim problem is age. Many Charleston roofs South of Broad and in Harleston Village are original or decades old, and a policy that pays actual cash value on an older roof will depreciate the check hard. Before you sign anything, read whether your roof is covered at replacement cost or actual cash value; it changes what a storm claim is worth and whether a metal restoration is better funded through the claim or through the published ladder.
After a named storm the peninsula fills with out-of-state trucks and door hangers, and the Old and Historic District is where a fast, wrong roof does the most damage. A storm-chaser shingle on a Wraggborough single house is a BAR violation you will pay to undo. Choose your own contractor, keep the profile the Board already approved, and let the claim file and the BAR file describe the same roof.
1800s to early 1900s single houses and Charleston doubles with standing seam, slate and terne metal (South of Broad, Ansonborough, Harleston Village, Wraggborough, Cannonborough-Elliotborough); 1920s to 1940s bungalows and cottages with hip and gable roofs in Wagener Terrace and Hampton Park Terrace; 1940s to 1960s ranches and duplexes in North Central and the upper Eastside; steep pitches, dormers and piazza roofs throughout.
Based in Mount Pleasant, about fifteen minutes over the Ravenel Bridge from the peninsula, so crews dispatch to Charleston without a highway day in between.
(843) 802-9224Typical replacement range for Charleston peninsula homes. Standing seam metal and BAR-district profiles set the top of the range; a 1,800 square foot upper-peninsula bungalow on Lowcountry Classic sets the bottom.
Monthly payments from $116 with approved GreenSky financing. See the four packages →
What is included in every Charleston job.
Asked in Charleston.
Will a claim raise my premium?
Weather claims are generally treated differently from at-fault claims, but every carrier differs. Ask your agent before filing. We give you the documentation either way so you can decide.
How long do I have to file after a storm?
Most SC policies allow one year or more, but damage gets harder to prove as it weathers. Get it documented within weeks.
Do you waive deductibles?
No. That is insurance fraud in South Carolina. We price the job honestly and help you understand what the carrier owes.
How fast can you get out after a storm?
Inspections within 48 hours, sooner when a storm has come through. We photograph everything so the claim starts with proof.
What if the adjuster denies it?
We review their report against our photos and request a re-inspection when the evidence supports it.