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, write the scope in carrier format, and meet the adjuster on your roof while you stay in Columbia or Atlanta. A house in the V zone that also took surge gets the roof claim documented separately from the flood claim, 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.
Folly's wind history is not abstract. 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: with ordinance or law coverage paying code upgrades, the difference between a High Wind rebuild and The Pearl is smaller than the sticker suggests.
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) 802-9224Folly Beach prices track the published ladder with The Pearl Metal carrying the top. Elevated houses with rooftop decks, low-slope sections or a fourth-story lookout are priced for that detail in the written estimate, and the price is fixed before the crew crosses the Folly River bridge.
Monthly payments from $116 with approved GreenSky financing. See the four packages →
What is included in every Folly Beach job.
Asked in Folly Beach.
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.