Does standard homeowners insurance cover hurricane damage?

Partially. Standard homeowners insurance covers wind damage and wind-driven rain from hurricanes—including roof damage, broken windows, and interior water damage caused by wind-created openings. However, flood damage is NEVER covered by standard policies and requires separate flood insurance through NFIP or private insurers. In South Carolina, you'll also face a separate hurricane deductible of 2-5% of your home's value.

What is a hurricane deductible in South Carolina?

A hurricane deductible is a separate, higher deductible that applies specifically to hurricane claims in South Carolina. Unlike your standard $1,000-$2,500 deductible, hurricane deductibles are typically 2-5% of your dwelling coverage amount. For a $350,000 home with a 2% hurricane deductible, you'd pay $7,000 out of pocket before insurance pays anything. This deductible applies when the National Weather Service issues a hurricane watch or warning for any part of SC.

What's the difference between wind-driven rain and flood damage?

Wind-driven rain damage is COVERED and occurs when hurricane winds create an opening in your home (damaged roof, broken window), allowing rain to enter. Flood damage is NOT COVERED by standard policies and occurs when water rises from the ground—including storm surge, overflowing rivers, and standing water accumulation. The key distinction: if water came through a wind-created opening from above, it's covered. If water rose from below, it's flood damage requiring separate insurance.

How do I file a hurricane damage claim?

Follow these steps: 1) Ensure safety first; 2) Document all damage with photos and video BEFORE cleanup; 3) Prevent further damage (tarp roof, board windows) and keep receipts; 4) Contact your insurer immediately to file a claim; 5) Review your policy coverage; 6) Get a professional roof inspection; 7) Meet with the insurance adjuster; 8) Compare their estimate to your contractor's; 9) Negotiate if the estimate is low; 10) Accept settlement and schedule repairs; 11) Complete repairs and submit documentation; 12) Close the claim and keep all records.

How long do I have to file a hurricane insurance claim in South Carolina?

Under South Carolina law, you generally have at least one year to file a property damage claim, but you should notify your insurance company as soon as possible after a hurricane. Some policies may require faster notification (30-60 days), so check your specific policy. For best results, file immediately after documenting damage—delays can raise questions about whether damage was storm-related.

Do I need flood insurance if I don't live in a flood zone?

Yes, flood insurance is recommended for ALL Myrtle Beach homeowners. Over 20% of flood insurance claims come from properties outside high-risk flood zones. During Hurricane Florence (2018), many homes that had never flooded experienced significant water damage. Since standard homeowners insurance NEVER covers floods, and 73% of Horry County is in a FEMA flood zone, flood insurance is essential protection. NFIP policies have a 30-day waiting period, so buy before hurricane season.

What if my hurricane damage claim is denied?

If your claim is denied: 1) Request a written explanation of the denial; 2) Review your policy to understand if the denial is valid; 3) Gather additional documentation (contractor estimates, photos, expert opinions); 4) Request a re-inspection or reconsideration; 5) Consider hiring a public adjuster (they work for you, not the insurer); 6) File a complaint with SC Department of Insurance if you believe the denial is unfair; 7) Consult an insurance attorney for bad faith claims. Many initial denials are reversed with proper documentation and persistence.

Should I get a roof inspection before filing a hurricane claim?

Yes, absolutely. A professional roof inspection BEFORE the insurance adjuster arrives helps ensure all damage is identified and documented. Adjusters spend limited time at each property and may miss hidden damage. A licensed roofing contractor can: identify damage you might not see, provide detailed documentation with photos and measurements, give you an independent estimate for comparison, attend the adjuster meeting to point out missed items, and help negotiate supplements for underpaid claims.

What's the difference between RCV and ACV for roof claims?

Replacement Cost Value (RCV) pays to replace your damaged roof with new materials of similar kind and quality—minus your deductible. You receive full replacement cost. Actual Cash Value (ACV) pays replacement cost MINUS depreciation. For a 15-year-old roof with 20-year shingles, ACV might only pay 25% of replacement cost. This can mean receiving $5,000 instead of $20,000 for the same damage. Check your policy—many insurers have quietly switched older roofs to ACV coverage.

How can I protect my roof before hurricane season?

Before hurricane season: 1) Get a professional roof inspection to identify and repair vulnerabilities; 2) Replace missing or damaged shingles; 3) Secure loose flashing; 4) Clean gutters and ensure proper drainage; 5) Trim trees that could fall on your roof; 6) Consider upgrading to impact-resistant Class 4 shingles for insurance discounts or FORTIFIED roof certification ; 7) Document your roof's current condition with photos; 8) Review your insurance policy and understand coverage limits; 9) Buy flood insurance if you don't have it (30-day waiting period); 10) Keep emergency tarps and supplies ready for immediate response.

Does Homeowners Insurance Cover Hurricane Damage? Complete 2025 Guide for Myrtle Beach

Shocking Industry Truth

Hurricane season in Myrtle Beach isn't a hypothetical—it's an annual reality. Since 2015, seven named storms have directly impacted Horry County, causing over $2.3 billion in property damage. Yet when homeowners file claims after a hurricane, many discover their coverage isn't what they expected. Understanding exactly what your homeowners insurance covers before the next storm makes the difference between a full recovery and a financial disaster.

This comprehensive guide answers the critical question: "Does homeowners insurance cover hurricane damage?" The short answer is partially—but the details determine whether you receive $2,000 or $25,000 for the same roof damage. We'll cover South Carolina's unique hurricane deductible laws, what's covered versus excluded, the 12-step claims process, common denial reasons, and expert strategies to maximize your payout.

At WeatherShield Roofing, we've helped 500+ Myrtle Beach homeowners navigate hurricane damage claims since 2008. We're rated 5.0★ on Google (73 reviews) and work directly with insurance adjusters to ensure fair assessments. This guide reflects that hands-on experience—not just policy language, but real-world claim outcomes.

By the end, you'll know exactly what your policy covers, how to document damage properly, when to involve a public adjuster, and how to avoid the mistakes that cost Myrtle Beach homeowners thousands every hurricane season.

Ready to Protect Your Investment?

Schedule your free roof inspection today. No obligations, just peace of mind.

Call (843) 877-5539 Schedule Online

Quick Answer: What Hurricane Damage Does Homeowners Insurance Cover?

TL;DR: Hurricane Coverage Summary

Standard homeowners insurance in South Carolina covers wind damage and wind-driven rain from hurricanes—including roof damage, siding damage, broken windows, and interior water damage caused by wind. However, flood damage is NEVER covered by standard policies and requires separate flood insurance.

Covered

Wind Damage

Roof, siding, windows, wind-driven rain

NOT Covered

Flood Damage

Requires separate NFIP or private flood policy

SC Deductible

2-5% of Home Value

Separate from standard deductible

The Critical Distinction: Wind vs Flood

Every Myrtle Beach homeowner must understand this fundamental split:

✓ COVERED: Wind Damage

• Roof damage from wind, flying debris, fallen trees
• Siding damage from wind or debris impact
• Broken windows from wind pressure or debris
• Wind-driven rain damage that enters through wind-created openings
• Interior damage from rain entering through damaged roof/windows
• Fallen trees damaging structures (tree removal often included)
• Detached structures like garages, sheds, fences

✗ NOT COVERED: Flood Damage

• Storm surge from ocean water pushed inland
• River/creek flooding from overflowing waterways
• Standing water accumulating on property
• Ground saturation causing water intrusion
• Sewer backup from overwhelmed drainage systems
• Rain entering through intact roof (not wind-created opening)
• Mudslides caused by saturated soil

Critical Myrtle Beach Warning

73% of Horry County is in a FEMA-designated flood zone. During Hurricane Florence (2018), storm surge and flooding caused 60% of total property damage—none of which was covered by standard homeowners policies. If you don't have flood insurance, a major hurricane could leave you with nothing.

Get flood insurance NOW: FloodSmart.gov or call a local insurance agent.

Understanding Hurricane Damage: Types and Coverage

Hurricanes cause damage through multiple mechanisms, each with different insurance implications. Understanding these distinctions is critical for proper claim documentation.

1. Wind Damage (Covered by Homeowners Insurance)

Wind damage occurs when hurricane-force winds (74+ mph) directly damage your property or propel debris into structures:

Shingle damage: Lifted, torn, or missing shingles from wind uplift
Roof structure damage: Damaged decking, trusses, or rafters
Debris impact: Tree limbs, patio furniture, or building materials striking your home
Pressure damage: Windows or doors blown in by extreme pressure differentials
Soffit/fascia damage: Wind intrusion points around roof edges

Myrtle Beach Wind Speed Context

Standard 3-tab shingles begin failing at 60-70 mph sustained winds. Architectural shingles withstand 110-130 mph. During Hurricane Florence (2018), Myrtle Beach recorded sustained winds of 75 mph with gusts to 105 mph—enough to cause widespread shingle damage but not total roof failures on properly installed systems.

2. Wind-Driven Rain Damage (Covered)

Here's where claims get complicated. Wind-driven rain is covered, but only when:

Wind creates an opening in your home's envelope (damaged roof, broken window, torn siding)
Rain enters specifically through that wind-created opening
Interior damage (drywall, flooring, contents) results from that water entry

Documentation Is Everything

Adjusters will scrutinize whether water damage came through a wind-created opening or from flooding/seepage. Photograph damage immediately—before cleanup. Show the exterior damage (missing shingles) AND the corresponding interior damage (water stains directly below). This connection is essential for claim approval.

3. Flood Damage (NOT Covered by Standard Policies)

FEMA defines flood damage as water that:

Accumulates on normally dry land from any source
Overflows from any natural or artificial body of water
Results from storm surge, tidal waves, or wave wash
Comes from mudslides or mudflows caused by flooding

In Myrtle Beach, the most common flood sources during hurricanes are:

Storm surge: Ocean water pushed inland by hurricane winds
Intracoastal Waterway overflow: Water backing up into neighborhoods
Waccamaw River flooding: Major flooding source for Conway, Socastee, Carolina Forest
Drainage system failures: Streets and yards flooding from overwhelmed infrastructure

4. Tree and Debris Damage (Covered with Limits)

Fallen trees and debris damage is generally covered, but with important limitations:

Tree Damage Coverage Rules

Scenario	Covered?	Limits
Your tree falls on your house	Yes	Full dwelling coverage
Neighbor's tree falls on your house	Yes	Your policy covers; not neighbor's fault
Tree removal after hitting structure	Yes	Typically included with dwelling claim
Tree falls in yard (no structure hit)	Limited	Usually limited; check policy
Tree falls on fence	Yes	Under "Other Structures" coverage
Tree falls on vehicle	Auto policy	Comprehensive auto coverage, not homeowners

South Carolina Hurricane Deductibles: What You'll Actually Pay

Here's the surprise that catches many Myrtle Beach homeowners: hurricane deductibles in South Carolina are separate from—and much higher than—your standard deductible.

Hurricane Deductible Reality Check

If your home is valued at $350,000 (typical for Myrtle Beach) and you have a 2% hurricane deductible:

Your Hurricane Deductible: $7,000

This is OUT OF POCKET before insurance pays anything

Compare this to your standard deductible of typically $1,000-$2,500. Many homeowners don't realize they'll owe $7,000-$17,500 before receiving any insurance payment.

How SC Hurricane Deductibles Work

SC Hurricane Deductible Calculation

Home Value	2% Deductible	3% Deductible	5% Deductible
$250,000	$5,000	$7,500	$12,500
$350,000	$7,000	$10,500	$17,500
$500,000	$10,000	$15,000	$25,000
$750,000	$15,000	$22,500	$37,500

When Does the Hurricane Deductible Apply?

Under South Carolina law (SC Code § 38-73-1095), hurricane deductibles apply when the National Weather Service issues a:

Hurricane watch or warning for any part of South Carolina, AND
The damage occurs during the watch/warning period, OR
The damage is caused by the named storm within 72 hours after the warning expires

Important SC Law Provision

The hurricane deductible only applies once per calendar year per storm. If a single hurricane damages your home multiple times (initial hit, then returning bands), you only pay the deductible once. However, if two separate hurricanes hit in one year, you could pay the deductible twice.

Can You Reduce Your Hurricane Deductible?

Yes, but it comes with trade-offs:

Option 1: Buy Down the Deductible

Some insurers allow you to choose a lower percentage (1-2%) or even a flat dollar amount hurricane deductible.

Trade-off: Premium increases of 15-30%. A $350K home might pay $300-$600 more annually for a $2,500 flat deductible vs 5% percentage deductible.

Option 2: Hurricane Deductible Buyback

Separate insurance product that covers the gap between your hurricane deductible and your standard deductible.

Example: If your hurricane deductible is $7,000 and standard deductible is $1,000, buyback insurance covers the $6,000 difference.

How to File a Hurricane Damage Claim: 12-Step Process

Filing a hurricane damage claim correctly is the difference between full coverage and a frustrating denial. Follow this detailed 12-step process:

Step 1: Ensure Safety First

Before documenting anything:

Wait for official all-clear from local emergency management
Watch for downed power lines, gas leaks, structural instability
Don't enter damaged buildings until inspected
Wear protective gear (boots, gloves, mask) when assessing damage

Step 2: Document Everything Immediately

This step is CRITICAL. Before any cleanup:

Photograph all damage from multiple angles (wide shots + close-ups)
Video walkthrough narrating what you see
Document dates and times on all media
Capture serial numbers of damaged appliances/electronics
Save damaged materials (shingles, siding) as evidence

Pro tip: Take photos showing the exterior damage AND the corresponding interior damage. This proves water entered through a wind-created opening.

Step 3: Prevent Further Damage (Mitigate)

Your policy REQUIRES you to prevent further damage. This is covered:

Tarp damaged roof areas to prevent additional water entry
Board up broken windows and doors
Remove standing water to prevent mold growth
Move undamaged belongings away from water sources
Keep ALL receipts for materials and emergency repairs

Important: Don't make permanent repairs yet—just temporary mitigation. Permanent repairs before adjuster inspection can reduce your claim payment.

Step 4: Contact Your Insurance Company

File your claim as soon as possible:

Call your insurer's claims hotline (available 24/7 during disasters)
Have your policy number ready
Get a claim number and adjuster assignment
Ask about Additional Living Expenses (ALE) if displaced
Document the call: date, time, representative name, claim number

Step 5: Review Your Policy

Before the adjuster arrives, understand:

Your dwelling coverage limit (Coverage A)
Your personal property limit (Coverage C)
Your hurricane deductible percentage
Whether you have RCV (Replacement Cost) or ACV (Actual Cash Value)
Your Additional Living Expenses coverage

Step 6: Get a Professional Roof Inspection

Before the insurance adjuster arrives:

Schedule an inspection with a licensed roofing contractor
Get a detailed written estimate of all damage
Ask for photos and documentation of their findings
Have them identify hidden damage adjusters might miss

WeatherShield Advantage: We provide free hurricane damage inspections with detailed documentation. Our estimates ensure adjusters don't miss costly damage. Call (843) 877-5539.

Step 7: Meet with the Insurance Adjuster

When the adjuster visits:

Be present during the inspection
Point out ALL damage—don't assume they'll find everything
Share your documentation (photos, videos, contractor estimate)
Ask questions about anything unclear
Request a copy of their inspection report
Don't sign anything you don't fully understand

Step 8: Review the Adjuster's Estimate

Compare their estimate to your contractor's:

Check that all damaged areas are included
Verify measurements are accurate
Ensure material quality matches what you currently have
Confirm labor rates are realistic for Myrtle Beach
Look for missed items: underlayment, flashing, ventilation, etc.

Step 9: Negotiate if Necessary

If the estimate seems low:

Request re-inspection with your contractor present
Provide additional documentation of missed damage
Ask for supplement consideration for hidden damage
Consider hiring a public adjuster (10-15% fee but often worth it)
Escalate to a supervisor if initial adjuster is unresponsive

Step 10: Accept Settlement and Schedule Repairs

Once you agree on the claim amount:

You'll receive initial payment (minus deductible and depreciation for ACV)
For RCV policies, recoverable depreciation is paid after repairs complete
Schedule repairs with your chosen contractor
Keep all invoices and receipts for final claim submission

Step 11: Complete Repairs and Submit Documentation

After repairs are complete:

Get completion certificate from contractor
Submit final invoices to insurance
Request recoverable depreciation payment (RCV policies)
Keep warranty documentation for new materials

Step 12: Close the Claim and Keep Records

Final steps:

Get written confirmation that claim is closed
Keep all documentation for 7+ years (tax records, future claims)
Update your home inventory with new items
Consider policy review to ensure adequate future coverage

15 Questions to Ask Your Insurance Provider Before Hurricane Season

Don't wait until after a hurricane to understand your coverage. Ask these 15 questions NOW:

Coverage Questions

"What is my hurricane/wind deductible?" — Get the exact percentage AND calculate the dollar amount based on your dwelling coverage.
"Is my roof covered under RCV or ACV?" — Replacement Cost Value pays for new materials; Actual Cash Value deducts depreciation. This can mean a $10,000+ difference.
"Does my policy have a roof age exclusion?" — Many policies reduce coverage or switch to ACV for roofs over 10-15 years old.
"What's my Additional Living Expenses limit?" — If your home is uninhabitable, this covers hotel, food, and other costs. Know the limit.
"Do I have code upgrade coverage?" — If repairs require bringing your home up to current building codes, will insurance cover the extra cost?

Flood & Water Questions

"What's the difference between wind-driven rain and flood in my policy?" — Get specific examples of what's covered vs excluded.
"Do I need separate flood insurance?" — If you're in a flood zone (most of Myrtle Beach), the answer is YES.
"Is sewer backup covered?" — Standard policies often exclude this. You may need an endorsement.
"What documentation proves wind-driven rain vs flooding?" — Understand exactly what evidence you'll need.

Claims Process Questions

"What's the deadline to file a hurricane claim?" — SC law allows at least 1 year, but some policies require faster notification.
"Can I choose my own contractor?" — Most policies allow this, but confirm.
"What emergency repairs am I required to make?" — Understand your duty to mitigate and what's reimbursable.
"How long until an adjuster is assigned?" — After major hurricanes, waits can exceed 30 days.
"Can I request a re-inspection if I disagree with the estimate?" — Know your appeal rights.
"What happens if my claim is denied?" — Understand the appeals process and your rights under SC law.

Get It In Writing

Ask your agent to provide written answers to these questions. Verbal promises mean nothing when you're filing a claim. Get policy endorsements and declarations pages that confirm your coverage.

Common Hurricane Claim Denials & How to Fight Back

Insurance companies deny hurricane claims at alarming rates. Here are the most common denial reasons and how to respond:

Denial #1: "Damage Is From Flooding, Not Wind"

The Claim: Insurer says water damage came from rising water (flood) rather than wind-driven rain through a damaged roof.

How to Fight:

Provide photos showing exterior wind damage (missing shingles, damaged soffit)
Show water stains directly below exterior damage points
Get a professional roofer's inspection report documenting wind damage
Obtain a meteorologist's report on wind speeds and direction during the storm
If you have flood insurance, file claims with both insurers and let them sort it out

Denial #2: "Pre-Existing Damage"

The Claim: Insurer says damage existed before the hurricane (wear and tear, poor maintenance).

How to Fight:

Provide pre-storm photos (Google Street View history, real estate listing photos)
Show recent inspection reports or maintenance records
Get expert opinion distinguishing storm damage from normal wear
Demonstrate that even if minor pre-existing wear existed, the storm caused the current damage

Denial #3: "Damage Below Deductible"

The Claim: Insurer's estimate is conveniently just below your hurricane deductible.

How to Fight:

Get multiple contractor estimates showing true repair costs
Request itemized adjuster estimate and challenge low line items
Identify missed damage: underlayment, decking, interior damage, landscaping
Request re-inspection with your contractor present

Denial #4: "Cosmetic Damage Only"

The Claim: Insurer says hail dents or granule loss don't affect function and aren't covered.

How to Fight:

Review policy for "cosmetic damage exclusion"—many don't have it
Get expert opinion on how damage reduces shingle lifespan
Document that manufacturer warranty is voided by the damage
Show that mismatched replacement affects property value

Denial #5: "Failure to Mitigate"

The Claim: Insurer says you didn't take reasonable steps to prevent further damage.

How to Fight:

Provide receipts for tarps, boards, and other mitigation materials
Document dates and photos of mitigation efforts
Show that damage occurred rapidly before mitigation was possible
Demonstrate unsafe conditions prevented immediate action

When to Hire a Public Adjuster

Consider a public adjuster (they work for YOU, not the insurer) when:

Your claim is complex or large
Initial estimate is significantly lower than contractor quotes
You've received a denial you believe is wrong
You don't have time to manage the claims process

Typical fee: 10-15% of claim payout. On a $30,000 claim, that's $3,000-$4,500—but they often recover 40-50% more than DIY claims.

Hurricane Damage Documentation: The Complete Checklist

Proper documentation is your strongest weapon in any insurance claim. Use this comprehensive checklist:

Exterior Documentation Checklist

☐ Roof overview (if safely accessible or via drone)
☐ Each roof slope from multiple angles
☐ Missing/damaged shingles with close-ups (see our complete inspection checklist)
☐ Ridge cap damage
☐ Flashing around vents, chimneys, skylights
☐ Gutters and downspouts
☐ Soffit and fascia damage
☐ Siding damage (all sides of home)
☐ Window and door damage
☐ Deck/patio damage
☐ Fence damage
☐ Detached structures (garage, shed, pool cage)
☐ Fallen trees and debris
☐ Driveway/walkway damage
☐ HVAC unit damage
☐ Landscape damage

Interior Documentation Checklist

☐ Attic inspection (daylight visible? Water stains? Wet insulation?)
☐ Ceiling stains/damage in every room
☐ Wall damage (water stains, bubbling paint)
☐ Flooring damage (warping, staining, wet carpet)
☐ Window/door interior damage
☐ Electrical issues (outlets, lights)
☐ Personal property damage
☐ Appliance damage
☐ Furniture damage

Documentation Best Practices

Timestamps: Ensure date/time stamps are visible on photos/videos
Context shots: Wide photos showing damage location, then close-ups
Measurements: Include ruler/measuring tape in photos when possible
Before/after: If you have pre-storm photos, gather them
Video walkthrough: Narrate what you're seeing while recording
Save originals: Back up to cloud storage immediately
Keep samples: Save damaged shingles, broken glass, debris

WeatherShield Documentation Support

Our free hurricane damage inspections include professional documentation with detailed photos, measurements, and written reports. This documentation often identifies damage homeowners miss and strengthens insurance claims. Schedule at (843) 877-5539.

Flood Insurance: Why Myrtle Beach Homeowners Need It

Standard homeowners insurance NEVER covers flood damage. For Myrtle Beach homeowners, flood insurance isn't optional—it's essential.

Myrtle Beach Flood Risk Reality

73%

of Horry County in FEMA flood zones

$2.1B

Florence flood damage (2018)

15-20 ft

Potential storm surge in major hurricane

Flood Insurance Options

NFIP (National Flood Insurance Program)

• Maximum coverage: $250,000 structure / $100,000 contents
• 30-day waiting period before coverage begins
• Standardized rates based on flood zone
• Available everywhere in participating communities

Apply at FloodSmart.gov or through any insurance agent.

Private Flood Insurance

• Higher coverage limits available
• Shorter waiting periods (some as low as 10 days)
• Potentially lower rates for low-risk properties
• More coverage options (replacement cost, additional living expenses)

Compare quotes from multiple providers: Neptune, Palomar, Wright Flood, etc.

Don't Wait for Hurricane Season

NFIP policies have a 30-day waiting period. If a hurricane is approaching when you try to buy flood insurance, it's too late. Buy now, before you need it.

South Carolina Insurance Resources & Consumer Rights

South Carolina provides significant consumer protections for hurricane damage claims. Know your rights and resources:

SC Department of Insurance (SCDOI)

Your first resource for insurance complaints and questions:

• Consumer complaints: doi.sc.gov
• Phone: (803) 737-6160
• Emergency hotline (during declared disasters): (800) 768-3467

SC Safe Home Program

Grants up to $10,000 for wind-resistant home improvements:

• Roof-to-wall connections
• Opening protection (shutters, impact windows)
• Roof upgrades
• Apply at scsafehome.com

SC Wind & Hail Underwriting Association

If private insurers won't cover your coastal property:

• Insurer of last resort for wind/hail coverage
• Available in all coastal counties
• scwind.com

Your Legal Rights in SC

Prompt payment: Insurers must pay undisputed amounts within 30 days
Bad faith claims: You can sue for damages if insurer unreasonably denies valid claim
Right to independent contractor: You choose who repairs your home
Right to public adjuster: You can hire representation
Right to appraisal: If you disagree on value, request neutral appraisal

Working with Roofing Contractors After a Hurricane

The right contractor makes all the difference in hurricane recovery. Here's how to navigate this process:

What WeatherShield Provides

As Myrtle Beach's 5.0★ rated roofing contractor, we support hurricane claims by:

Free damage inspections with detailed documentation
Professional estimates that ensure adjusters don't undervalue damage
Adjuster meeting attendance to point out missed damage
Supplement negotiation when initial estimates are low
Direct insurance billing for approved claims
Emergency tarping to prevent further damage

Schedule your free inspection: (843) 877-5539

Red Flags: Storm Chaser Warning Signs

After hurricanes, storm chasers flood Myrtle Beach. Avoid contractors who:

Knock on your door unsolicited immediately after a storm
Pressure you to sign contracts before insurance inspection
Offer to pay or waive your deductible (this is insurance fraud)
Can't provide a permanent local address
Lack SC contractor license or verifiable insurance
Request large upfront payments before work begins
Use high-pressure sales tactics or create false urgency

Verify Before Hiring

SC Contractor License: llr.sc.gov/clb
Google Reviews: Look for 4.5+ stars with 50+ reviews
BBB Rating: bbb.org
Insurance: Request certificate of insurance directly from insurer
Local presence: Visit their office in person

Summary: Prepare Now, Protect Your Home

Hurricane damage insurance coverage is complex, but understanding these key points protects your Myrtle Beach home and finances:

Key Takeaways

✓ Wind damage is covered; flood damage requires separate insurance
✓ SC hurricane deductibles are 2-5% of home value—budget for this
✓ Document everything before, during, and after storms
✓ Know your policy: RCV vs ACV, coverage limits, exclusions
✓ Get a professional inspection to ensure full damage assessment
✓ Buy flood insurance NOW—30-day waiting period
✓ Choose local, licensed contractors—avoid storm chasers

Need Hurricane Damage Help?

WeatherShield Roofing has helped 500+ Myrtle Beach homeowners navigate hurricane damage claims. We provide:

Free damage inspections with detailed documentation
Insurance claim support and adjuster meeting attendance
Emergency tarping to prevent further damage
Expert repairs by SC-licensed, GAF-certified craftsmen

Call now: (843) 877-5539

5.0★ Google Rating (73 Reviews) | Locally Owned Since 2008

The Cost Comparison: Maintenance vs. Neglect

Without Maintenance

Roof lifespan: 12-15 years
Insurance claims often denied
Emergency repairs cost 3x more
Property value decreases by 5-10%
Warranty becomes void
Total 20-year cost: $35,000+

With Regular Maintenance

Roof lifespan: 25-30+ years
Insurance claims approved
Prevent costly emergencies
Property value protected
Full warranty coverage maintained
Total 20-year cost: $8,000-10,000

Don't Wait Until It's Too Late

Every day you delay costs you money. Get your FREE professional roof inspection today and discover exactly what condition your roof is in.

Call Now: (843) 877-5539 Get Free Inspection

Emergency? Call our 24/7 hotline: (843) 877-5539

Frequently Asked Questions

About the Author

David Karimi

Insurance Claims Director & Storm Damage Expert

David Karimi is WeatherShield Roofing's Insurance Claims Director with over 15 years of experience helping Myrtle Beach homeowners navigate hurricane damage claims. Having assisted with 500+ insurance claims following Hurricanes Florence, Dorian, and Isaias, David has developed deep expertise in SC insurance regulations, adjuster negotiations, and claim documentation strategies that maximize homeowner payouts.

The Bottom Line: Your Roof, Your Choice

Every day you wait is another day closer to that emergency call no homeowner wants to make. The statistics are clear: 80% of roofs fail prematurely, and 61% of homeowners can't afford the emergency repairs that follow.