Insurance No Longer Covers Full Roof Replacement: What Myrtle Beach Homeowners Need to Know in 2025
Shocking Industry Truth
⚠️ Breaking: NPR Reports Major Insurance Coverage Changes (Nov 13, 2025)
Insurance companies nationwide are fundamentally changing roof coverage. Many policies no longer cover full replacement costs, especially for roofs over 10-15 years old. After $160 billion in 2024 hailstorm damage, insurers are scaling back coverage and raising deductibles. Call (843) 877-5539 for your FREE insurance-ready inspection.
Ready to Protect Your Investment?
Schedule your free roof inspection today. No obligations, just peace of mind.
What Changed & Why It Matters for Myrtle Beach Homeowners
According to NPR's November 13, 2025 investigation, insurance companies are implementing major changes: many policies "don't cover the full cost of replacing a damaged roof," homeowners face higher deductibles (thousands out-of-pocket), and insurers are scaling back coverage for roofs over 10-15 years old. For Myrtle Beach coastal properties, this creates urgency to understand your coverage before renewal.
Call (843) 877-5539 for a free inspection and insurance consultation from Weather Shield Roofing's 5.0★ rated team.
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.
Emergency? Call our 24/7 hotline: (843) 877-5539
Need Professional Help?
WeatherShield Roofing is Myrtle Beach's highest-rated roofing company with a perfect 5.0-star Google rating. We can help with any roofing need:
Frequently Asked Questions
About the Author
David Karimi
Senior Roofing Consultant & Insurance Claims Specialist
David Karimi is a Senior Roofing Consultant at Weather Shield Roofing with over 15 years of experience helping Myrtle Beach homeowners navigate insurance claims and roof replacement decisions.
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.
What You Get with Weather Shield Roofing:
Don't Wait Until It's Too Late
Join thousands of smart Myrtle Beach homeowners who protect their investment with regular maintenance.
Emergency? Call our 24/7 hotline: (843) 877-5539
Our Roofing Services
Serving the Grand Strand
Weather Shield Roofing proudly serves homeowners across the Grand Strand and surrounding communities. Find your local roofing experts:
Related Articles
Will Insurance Cover a 25-Year-Old Roof in South Carolina? (2026 Guide)
Will insurance cover a 25-year-old roof in SC? Myrtle Beach roofer explains ACV vs RCV depreciation on aging roofs, SC insurer policies by roof age, coastal degradation factors, SC Code 38-75-790 non-renewal protection, SC Safe Home Program upgrades, and a 5-step action plan for 25+ year old roofs. Call (843) 877-5539.
How to Get Insurance to Pay for Roof Replacement in South Carolina (2026)
Step-by-step guide to getting insurance to pay for roof replacement in SC. Policy review, ACV vs RCV, hurricane deductibles, documentation, adjuster negotiation, SC Safe Home grants, AOB warnings, denial appeals, mortgage escrow, and claim timeline. Call (843) 877-5539.
Insurance Lowballed Your Roof Claim? What SC Homeowners Can Do (2026)
Insurance lowballed your roof claim in SC? Myrtle Beach roofer explains how to fight back: Xactimate line-item review, SC bad faith law (38-59-40), 90-day payment rule, supplement requests, public adjusters, SC DOI complaints, and appraisal clause. Call (843) 877-5539.