What a storm claim looks like on Isle of Palms roofs.
A tropical system crosses the dunes and hits Front Beach, the Wild Dunes beachfront and Breach Inlet before it hits anything else in Charleston County, and an elevated house on pilings takes uplift at the eaves and rakes rather than a limb strike. The damage is often lifted shingle rows and torn drip edge on the ocean-facing slope, and it needs to be documented and covered before the next tide brings more spray.
Most owners are somewhere else when the storm passes. We photograph every slope, meet your adjuster on the roof, and send the photo report and written repair estimate to the owner and the property manager. For a Wild Dunes villa regime, the claim is the regime's, and we document the building as a whole so the board has one file to work from.
The Isle of Palms Connector and the Ben Sawyer Bridge close in sustained high wind and can stay restricted after a named storm, so the first 48 hours belong to the owner and the property manager: ground photos, the wind claim opened, and the flood claim opened separately if surge crossed Palm Boulevard. We are on the roof the first day access is restored, and the rental calendar is worked into the schedule.
An elevated Front Beach or Forest Trail house that lost rake shingles in Matthew or Dorian and got them replaced in the same pattern will lose them again. A storm replacement is when the island roof gets built correctly: the six-nail high-wind pattern, sealed eaves and rakes, and stainless fasteners. It is also the time to price The Pearl against a third shingle roof. If your policy carries ordinance or law coverage, ask your agent what it pays toward the code upgrades.
1970s to 1990s elevated wood-frame beach houses on pilings along Palm Boulevard, Forest Trail and the numbered avenues, many with low-slope sections and rooftop decks; 1980s to 2000s Wild Dunes homes and villa regimes with steeper hips, metal accents and stucco or shingle siding; 1960s and 1970s cottages on the Breach Inlet end and the interior lots between 41st and 57th Avenue; Intracoastal-side homes along Waterway Boulevard with dock-facing exposure. Heavy second-home and short-term-rental ownership, so many decisions are made by an owner who is not on the island.
Fifteen minutes from Mount Pleasant over the Isle of Palms Connector, with Sullivan's Island on the same dispatch run across Breach Inlet.
(843) 284-6333
Jeff Ramsden, founder. 5+ years as a VP at Reimagine Roofing, 1,000+ roofs overseen.
Call (843) 284-6333Every Isle of Palms 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 Isle of Palms job.
Asked in Isle of Palms.
How much does storm damage repair cost on Isle of Palms?
Free: the storm inspection, the written photo report, and meeting your adjuster on the roof. Isle of Palms repairs then cost $850 to $4,950, and a replacement starts at $14,500 on our published ladder. The claim is yours, and we never pay your deductible. Elevated houses on pilings take uplift at the eaves and rakes, so a storm rebuild on Front Beach or Forest Trail adds the six-nail pattern, sealed eaves and stainless fasteners, and it is the moment to price The Pearl against another shingle roof.
Who permits a roof replacement on Isle of Palms, and what code applies?
The City of Isle of Palms issues its own building permits through its Building Department, separate from Charleston County. The City's building codes page lists the 2021 codes as adopted in South Carolina with state modifications, so a re-roof is permitted and inspected to that code. If your property belongs to a property owners association or villa regime, its approval usually comes before the City permit, and we prepare that submission with your order.
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.