What a storm claim looks like on Kiawah Island roofs.
A tropical system crossing the Kiawah beachfront hits Ocean Park, Cassique and the Vanderhorst oceanfront rows with surf wind on elevated frames, and the damage there is uplift at the eaves and rakes and torn drip edge on the ocean-facing slope. Under the canopy in Turtle Point and Osprey Point, the same storm drops oak limbs and pine tops onto steep gables and dormers, so the damage is punctures and crushed valleys. Both need to be documented before the next band of rain.
Most owners are somewhere else when the storm passes, and the gate is still the gate. We register for access through the Community Association, 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. A storm replacement still goes to the Architectural Review Board, and we file that submission early so approval does not slow the rebuild.
Kiawah closes behind a named storm, and re-entry runs on the Town's and the Community Association's schedule, so the first 48 hours belong to the owner and the property manager: photos from whoever is on the island, the wind claim opened, and the flood claim opened separately for an Ocean Park or Cassique house that took surge. We register with the gate for each visit, and inspections run within 48 hours of your request once contractors are admitted.
Age and material shape what a Kiawah policy pays. A 1990s shake roof in Turtle Point is often insured at actual cash value, while a 2010s standing seam roof in The Settlement is more often covered at replacement cost. Your agent can tell you which you have. A storm rebuild on a canopy home is also the moment to move from shake to a matte metal or High Wind shingle the ARB will approve.
1980s and 1990s stained-wood and cedar-sided homes with steep gables and dormers under live oak and pine canopy in Turtle Point, Osprey Point, Egret and Pintail and the older Vanderhorst streets, many built with wood shake that this market has been replacing with standing seam or architectural shingle; 1990s and 2000s larger Vanderhorst and Kiawah Island Club homes with complex hips and multiple roof planes; 2000s to 2020s oceanfront and marsh-front elevated houses in Ocean Park, Cassique and The Settlement with standing seam and shingle siding; villa and cottage regimes near the resort and the Freshfields Village side. Mostly second homes and rentals.
Fifty-five minutes from Mount Pleasant down Highway 17, Main Road and Bohicket Road to the Kiawah gate, with Seabrook Island and Johns Island on the same dispatch run.
(843) 284-6333
Jeff Ramsden, founder. 5+ years as a VP at Reimagine Roofing, 1,000+ roofs overseen.
Call (843) 284-6333Every Kiawah Island 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 Kiawah Island job.
Asked in Kiawah Island.
How much does storm damage repair cost on Kiawah Island?
Kiawah storm inspections and written photo reports are free, and we register with the gate for every visit. Repairs run $850 to $4,950, and a replacement starts at $14,900 on our published ladder. The claim is yours, and we never pay your deductible. Material drives a Kiawah storm rebuild, because a 1990s shake roof in Turtle Point is often insured at actual cash value and the move to matte metal or a High Wind shingle still needs ARB approval, which we file early.
What does the Kiawah Island Architectural Review Board need before my roof is replaced?
Any exterior work on a Kiawah home needs ARB approval and an ARB permit before it starts, and a Kiawah Island building permit must be issued before any material delivery or construction. Repairs that match existing conditions are typically approved, and maintenance reviews are typically done within one to two weeks. Once reviewed, an ARB permit also needs a KICA encroachment permit and a construction deposit agreement. We prepare the ARB application, then file the Town permit, so the crew and deliveries are cleared before day one.
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.