Storm Damage & Insurance in West Ashley

A summer squall line or a tropical system coming up the Stono and the Ashley hits West Ashley with wind and then with oak limbs. The damage on a Byrnes Downs or Avondale roof is often a puncture under the canopy rather than lifted shingles, and it needs to be documented the same day.

We photograph every slope, separate storm damage from the wear on a 1990s Shadowmoss roof, write the scope in carrier format, and meet the adjuster on your roof. Church Creek basin homes that also flooded get the roof claim documented separately from the flood claim, because those are two different policies.

First 48 hours in West Ashley: photograph the roof and the oak debris from the ground before it is cut and hauled, note the storm date, and open the claim with your carrier yourself. Byrnes Downs and Ashley Hall fill with out-of-state trucks after a harbor storm because canopy damage is visible from the street. South Carolina law lets you choose your own contractor, and we are on the roof within 48 hours.

Roof age decides the West Ashley claim. A South Windermere or Ashley Hall ranch on a third shingle may be insured at actual cash value and depreciated to a fraction of a new roof, while a Carolina Bay first-cycle roof is usually paid at replacement cost. We read the roof clause with you before the adjuster arrives, so the decision between the claim and the published ladder is made with the policy's numbers, not a salesman's.

Twenty-five minutes from Mount Pleasant across the Ravenel Bridge and out Highway 17, with James Island and Johns Island on the same dispatch run down Savannah Highway.