Dealing with roof damage is stressful enough without the added complexity of insurance claims. As Charleston's roof insurance claim experts, we've helped hundreds of homeowners navigate this process successfully.
Understanding Your Policy:
Most homeowners policies cover sudden, accidental damage (storms, fallen trees, hail) but not gradual wear and tear. Many coastal SC policies have separate wind/hail deductibles that may be higher than your standard deductible.
Step-by-Step Claims Process:
- Document all damage immediately with photos and video
- Contact your insurance company to file a claim
- Call Restoration Roofing — we'll provide a professional damage assessment
- Meet with the insurance adjuster (we'll be there with you)
- Review the adjuster's report and settlement offer
- If the settlement is fair, authorize repairs
- If not, we'll help you supplement the claim with additional documentation
How We Help:
At Restoration Roofing, we take the insurance burden off your shoulders. We document damage thoroughly, communicate directly with adjusters, and ensure nothing is overlooked in the assessment. We do this every day — it's one of our core specialties.
Common Claim Pitfalls:
- Waiting too long to file (most policies have time limits)
- Not documenting pre-existing conditions
- Accepting the first offer without review
- Making permanent repairs before the adjuster's inspection
- Not understanding your deductible structure