What a storm claim looks like on Folly Beach roofs.
A tropical system or a hard nor'easter reaches Folly Beach before anywhere else in the county. The oceanfront row on East and West Ashley Avenue and the Washout take lifted shingles and lost ridge cap from direct wind, and the elevated houses on Arctic Avenue lose deck flashing and low-slope membrane. Folly storm damage is wind damage first, and inspecting a three-story elevated house takes a crew that will go up.
We photograph every slope, separate wind damage from salt wear on a 1990s shingle, and meet your adjuster on the roof while you stay in Columbia or Atlanta. You and your insurer get a written repair estimate. A house in the V zone that also took surge gets the roof damage documented separately from the flood damage, because the wind policy and the flood policy are two different carriers.
Getting to Folly after a storm is the first problem. Folly Road floods with surge on the Sol Legare and James Island approaches, and the City may hold access to the island until the water drops, so the first 48 hours are often the owner's alone: photos from a neighbor or the property manager, a call to the wind carrier and, if there is surge, a separate call to the flood carrier. We are on the roof the first day the island opens.
Hugo in 1989 rebuilt the Washout, and Matthew, Irma and Dorian each peeled ridge cap and rake shingles off the oceanfront row. A storm replacement on East or West Ashley Avenue is the moment to stop rebuilding the same shingle roof. If your policy carries ordinance or law coverage, ask your agent what it pays toward code upgrades, then compare a High Wind rebuild with The Pearl on our published prices.
1950s to 1970s single-story beach cottages on the interior numbered streets off East and West Erie and East and West Cooper, many on slab or short piers with low-pitch gable roofs; 1980s to 2000s elevated piling houses on East and West Ashley Avenue and Arctic Avenue with steep gables, rooftop decks and low-slope sections; post-Hugo rebuilds from the 1990s at the Washout and along the oceanfront; Sunset Cay and Mariners Cay townhouse and condo regimes on the Folly River side, roofed at the regime level; Little Oak Island villas.
Forty minutes from Mount Pleasant over the Connector, through James Island and down Folly Road to the bridge, with James Island and Johns Island on the same Sea Islands dispatch run.
(843) 284-6333
Jeff Ramsden, founder. 5+ years as a VP at Reimagine Roofing, 1,000+ roofs overseen.
Call (843) 284-6333Every Folly Beach storm damage job starts with a free inspection. We look at the roof, photograph what we find, and give you a written price before any work starts.
What is included in every Folly Beach job.
Asked in Folly Beach.
How much does storm damage repair cost on Folly Beach?
On Folly Beach the storm inspection and photo-documented report cost nothing, and we meet your adjuster on the roof while you stay in Columbia or Atlanta. Repairs run $850 to $4,950 and replacement starts at $14,250. The claim is yours, and we never pay your deductible. Folly damage is wind damage first, on the East and West Ashley Avenue oceanfront and the Washout, and a V-zone house that took surge has its roof documented separately because wind and flood are two different carriers.
Does a roof replacement on Folly Beach need a City permit, and can it trigger flood rules?
Yes to the permit. The City of Folly Beach requires a building permit for all remodeling and repairs, interior or exterior, so a re-roof is permitted by the City, not Charleston County. For houses in a flood zone, the City publishes a Substantial Improvement package for floodplain construction, which is how it tracks the FEMA 50 percent rule. Under that rule, improvements that reach half of the building's market value require bringing the whole house up to current floodplain standards. We price the roof, file the permit, and fill out the City's substantial improvement paperwork when your lot needs it.
Will a claim raise my premium?
Ask your agent. Every insurance company treats weather claims differently. We give you the photos either way.
How long do I have to file after a storm?
Your policy sets the deadline. Get the damage photographed within a few weeks, before the weather wears it down.
Do you waive deductibles?
No. The deductible is yours. We never pay it. Same price whether insurance pays or you do.
How fast can you get out after a storm?
Inspections within 48 hours, sooner when a storm has come through. You get a written, photo-documented damage report either way.
Will you handle my insurance claim?
The claim is yours. We meet your adjuster on the roof, show them what we found, and give you a written repair price.