Roof Insurance Claim Guide: How to File Storm & Hail Damage Claims Successfully in Myrtle Beach
Filing a roof insurance claim after storm damage can feel overwhelming—but it doesn't have to be. After helping hundreds of Myrtle Beach homeowners navigate claims for hurricane, hail, and wind damage over 18+ years, I've developed a proven process that maximizes your chances of full approval and fair settlement. This comprehensive guide covers everything from initial documentation to final settlement, including South Carolina-specific considerations like hurricane deductibles and windstorm coverage.
Written by David Karimi
Owner of WeatherShield Roofing with 18+ years experience helping South Carolina homeowners through the roof insurance claim process. GAF Master Elite certified contractor who has worked with every major insurance carrier on storm damage claims.
Last updated: January 6, 2026
In This Comprehensive Guide:
- ✓ Types of storm damage covered by insurance
- ✓ Step-by-step claim filing process
- ✓ Documentation checklist for maximum approval
- ✓ Working with insurance adjusters effectively
- ✓ Common claim denials and how to avoid them
- ✓ How a roofing contractor can help your claim
- ✓ Timeline expectations for SC storm claims
- ✓ Myrtle Beach specific: Hurricane & tropical storm coverage
- ✓ 8 FAQ questions answered
Free Storm Damage Inspection
Think you have storm damage? Get a professional roof inspection before filing your claim. We'll document all damage and provide a detailed report to support your claim.
Call Now: (843) 877-5539Table of Contents
- 1. Types of Storm Damage Covered by Insurance
- 2. Step-by-Step: Filing Your Roof Insurance Claim
- 3. Documentation Checklist for Maximum Approval
- 4. Working with Insurance Adjusters Effectively
- 5. Common Claim Denials and How to Avoid Them
- 6. The Roofing Contractor's Role in Your Claim
- 7. Claim Timeline: What to Expect in SC
- 8. Myrtle Beach Specific: Hurricanes & Tropical Storms
- 9. Frequently Asked Questions
- 10. Get Expert Help with Your Claim
Types of Storm Damage Covered by Insurance
Before filing a claim, understanding what types of roof damage your homeowners insurance typically covers is essential. Not all damage is created equal in the eyes of insurance companies, and coverage varies by policy and carrier.
Hail Damage: The Most Common Claim
Hail is the leading cause of roof insurance claims nationwide, and Myrtle Beach sees its share of severe hailstorms, particularly during spring and summer months. Insurance typically covers hail damage, but identifying it requires professional inspection.
Signs of Hail Damage by Roof Type:
- •Asphalt Shingles: Circular bruising, granule loss exposing black substrate, cracked or split shingles, soft spots when pressed
- •Metal Roofing: Visible dents, paint chipping or damage, panel deformation
- •Tile Roofing: Cracked, chipped, or broken tiles, hairline fractures
- •Flat/Low-Slope: Punctures, membrane damage, torn or lifted seams
Important: Cosmetic Damage Exclusions
Many insurance policies now include cosmetic damage exclusions for hail. This means dents or marks that don't affect the roof's function may not be covered. Review your policy carefully or ask your agent about cosmetic damage limitations before filing a claim.
Wind Damage Coverage
High winds from thunderstorms, tropical systems, and nor'easters can cause significant roof damage. Standard homeowners policies typically cover wind damage, though coastal properties may have separate windstorm coverage requirements.
Common Wind Damage:
- • Missing, lifted, or curled shingles
- • Damaged or missing ridge caps
- • Lifted or torn flashing around penetrations
- • Damaged soffit and fascia
- • Debris impact damage (tree limbs, etc.)
- • Compromised roof-to-wall connections
Hurricane and Tropical Storm Damage
Living on the South Carolina coast means hurricane preparedness is essential. Hurricane damage combines wind, hail, and water intrusion—and your coverage and deductible may differ from standard storm damage.
SC Hurricane Deductible Alert
In South Carolina, hurricane deductibles are typically 2-5% of your home's insured value—not a flat dollar amount. For a home insured at $350,000, a 3% hurricane deductible means $10,500 out of pocket before insurance pays.
Hurricane deductibles apply when the National Weather Service issues a hurricane watch or warning. Damage from tropical storms (below hurricane strength) usually falls under your standard deductible.
Water Damage from Storm Events
Water damage caused by storm damage is typically covered—for example, if wind rips off shingles and rain enters your home. However, there are important distinctions:
| Scenario | Typically Covered? |
|---|---|
| Wind removes shingles, rain enters | Yes |
| Hail punctures roof, water leaks in | Yes |
| Flooding from storm surge or rising water | No (requires flood insurance) |
| Water enters through old, worn roof during rain | No (maintenance issue) |
| Tree falls on roof during storm | Yes |
Step-by-Step: Filing Your Roof Insurance Claim
A methodical approach to filing your claim significantly increases your chances of full approval and fair settlement. Here's the process I recommend after helping hundreds of Myrtle Beach homeowners through storm damage claims:
Step 1: Safety First & Initial Assessment (Day 1)
After a storm passes, your first priority is safety. Do not climb on your roof—water, debris, and hidden structural damage make post-storm roof walking extremely dangerous.
- Check for immediate hazards: Downed power lines, gas leaks, structural concerns
- Document from ground level: Take photos of visible damage from multiple angles
- Check inside your home: Look for water stains, leaks, daylight through roof
- Note the date and time: Record storm details for your claim
Step 2: Document Everything Thoroughly (Days 1-3)
Documentation is the foundation of a successful claim. Insurance companies need proof that damage occurred and is storm-related.
Documentation Essentials:
- ✓ Dated photos and videos of all damage (use phone's automatic date stamp)
- ✓ Wide shots and close-ups of each damaged area
- ✓ Weather reports from the storm date (save news clips, NWS alerts)
- ✓ Photos of your entire roof showing overall condition
- ✓ Interior damage photos (water stains, ceiling damage)
- ✓ Damage to other areas (gutters, siding, HVAC, windows)
Step 3: Prevent Further Damage (Immediate)
Your insurance policy requires you to take reasonable steps to prevent additional damage. This is called your "duty to mitigate." Failing to do so could reduce your claim payout.
- Tarp exposed areas: Cover any holes or missing shingles with tarps
- Remove standing water: Address any water intrusion immediately
- Board up if necessary: Secure broken skylights or windows
- Save all receipts: Emergency repairs are typically reimbursable
Emergency Tarping Services
If your roof has significant damage exposing your home to the elements, we offer emergency tarping services. Call (843) 877-5539 for rapid response.
Step 4: Contact Your Insurance Company (Days 1-7)
Report your claim promptly. Most policies have time limits for reporting damage, and delays can complicate your claim.
When You Call Your Insurer:
- 1. Have your policy number ready
- 2. Describe the damage generally (avoid guessing specifics)
- 3. Get your claim number in writing
- 4. Ask about your deductible (standard vs. hurricane)
- 5. Confirm the deadline for claim completion
- 6. Request an adjuster visit within 7-14 days
- 7. Ask about emergency repair reimbursement procedures
Step 5: Get a Professional Roof Inspection (Before Adjuster Visit)
This is critical: Have a licensed roofing contractor inspect your roof before the insurance adjuster arrives. A contractor's detailed assessment ensures all damage is identified and documented.
- Comprehensive inspection: Contractors know where to look for hidden damage
- Written report: Professional documentation supports your claim
- Photo evidence: Close-up photos of specific damage areas
- Repair estimate: Detailed scope of work needed
Step 6: Meet with the Insurance Adjuster
The adjuster's inspection is one of the most important steps. Being prepared and present can significantly impact your claim outcome.
- Be present: Never let an adjuster inspect without you there
- Have contractor present if possible: They can point out damage the adjuster might miss
- Walk through systematically: Ensure every damaged area is inspected
- Take notes: Document what the adjuster says and inspects
- Get contact information: Ask for their direct number and supervisor's info
Step 7: Review the Settlement Offer
After the adjuster's inspection, you'll receive a settlement offer (often called the "scope" or "estimate"). Review it carefully against your contractor's assessment.
- Compare line by line: Match insurance scope to contractor's findings
- Look for discrepancies: Missing items, lower quantities, cheaper materials
- Understand depreciation: Initial payment may be ACV (depreciated), with recoverable depreciation after repairs
- Request re-inspection if needed: You have the right to dispute low estimates
Step 8: Complete Repairs and Close Your Claim
Once you've agreed on the scope and settlement, hire a licensed contractor to complete repairs. Submit final documentation to receive full payment including any recoverable depreciation.
Documentation Checklist for Maximum Approval
Insurance companies approve claims based on evidence. The more thorough your documentation, the stronger your claim. Use this checklist:
Complete Documentation Checklist:
Before & During Storm:
- □ Previous roof inspection reports
- □ Recent photos showing roof condition
- □ Maintenance records
- □ Weather alerts/warnings received
- □ Neighbor reports of damage
After Storm:
- □ Date-stamped damage photos/videos
- □ NWS weather reports for your area
- □ Contractor's inspection report
- □ Written repair estimate
- □ Emergency repair receipts
Supporting Evidence:
- □ News coverage of storm
- □ Social media posts about local damage
- □ Hail size reports (if applicable)
- □ Wind speed data
- □ Neighbor statements/photos
Claim Records:
- □ Claim number and all correspondence
- □ Adjuster's report and photos
- □ Settlement offer documents
- □ Supplement requests
- □ Final repair invoices
Working with Insurance Adjusters Effectively
Insurance adjusters are professionals doing a job—but their job is to assess claims, not maximize your payout. Understanding how to work with adjusters helps ensure a fair outcome.
Types of Adjusters You May Encounter
- 1.Staff Adjusters: Employees of your insurance company. They know your policy well but may have claim-reduction incentives.
- 2.Independent Adjusters: Contractors hired by insurance companies during high-volume periods (like after hurricanes). Experience levels vary widely.
- 3.Public Adjusters: Work for YOU, not the insurance company. They charge a percentage of your settlement but often get significantly higher payouts on complex claims.
Adjuster Inspection Best Practices
- Schedule when you can be present: Don't agree to "drive-by" inspections
- Have your contractor join if possible: Professional expertise on your side
- Provide your documentation: Share photos, weather reports, contractor's report
- Be cooperative but don't speculate: Stick to facts you can prove
- Ask questions: Understand what they're inspecting and why
- Request copies: Ask for their photos and inspection notes
What NOT to Say to Adjusters
- • "The roof was already in bad shape" (suggests pre-existing damage)
- • "I'm not sure when the damage happened" (undermines storm causation)
- • "My neighbor's contractor said..." (hearsay, not documentation)
- • "Just fix whatever you think needs it" (gives up control of scope)
When Adjusters Miss Damage
It's common for initial adjuster inspections to miss damage, especially if they're rushed or inexperienced. You have options:
- Request re-inspection: You can ask for a second inspection with your contractor present
- Submit a supplement: Provide additional documentation and request the claim be revised
- Hire a public adjuster: For complex or high-value claims, a public adjuster advocates for you
- File a complaint: If you believe you're being treated unfairly, contact the SC Department of Insurance
Common Claim Denials and How to Avoid Them
Understanding why claims get denied helps you avoid common pitfalls. Here are the most frequent denial reasons I see in Myrtle Beach:
1. "Wear and Tear, Not Storm Damage"
The most common denial. Insurance covers sudden, accidental damage—not gradual deterioration from age or lack of maintenance.
How to Avoid:
- • Keep maintenance records showing regular inspections
- • Document your roof's condition before storm season annually
- • Have contractor clearly identify storm-caused damage in their report
- • Provide weather data proving a significant storm event occurred
2. "Filed Too Late"
Policies have time limits for reporting damage. Waiting months to file raises suspicion and can void coverage.
How to Avoid:
- • File claims within 30 days of discovering damage
- • After any major storm, inspect your property promptly
- • Know your policy's reporting deadline
3. "Pre-Existing Damage"
If damage existed before the storm, it's not covered. This is why pre-storm documentation is so valuable.
How to Avoid:
- • Get annual roof inspections (keep reports)
- • Photograph your roof annually
- • Address repairs promptly so old damage doesn't compound
4. "Roof Age Exceeds Coverage Limits"
Many policies now limit coverage for roofs over 10-15 years old. Some pay only actual cash value (depreciated) rather than replacement cost.
Know Your Policy's Roof Age Limits
Before you need to file a claim, review your policy for roof age restrictions. If your roof is approaching these limits, consider replacement before a storm forces the issue on worse terms.
5. "Cosmetic Damage Only"
As mentioned earlier, many policies now exclude cosmetic damage that doesn't affect roof function. Dents in metal roofing or minor granule loss may not be covered.
6. "Policy Exclusions Apply"
Certain damages may be specifically excluded in your policy. Common exclusions in SC coastal areas:
- Wind/hail may require separate coverage in high-risk zones
- Flood damage (never covered by standard homeowners policies)
- Mold (may have sublimits or exclusions)
- Neglected maintenance issues
The Roofing Contractor's Role in Your Claim
A reputable roofing contractor can be invaluable in the insurance claim process—but the relationship should be transparent and you should stay involved.
How Contractors Help Your Claim
Legitimate Contractor Assistance:
- ✓Detailed Damage Assessment: Professional inspection finding all storm damage, including areas homeowners miss
- ✓Documentation Support: Providing photos, measurements, and written reports to support your claim
- ✓Adjuster Meeting: Meeting with the adjuster to ensure all damage is documented
- ✓Supplement Preparation: If the initial estimate is low, preparing additional documentation
- ✓Xactimate Estimates: Using industry-standard software that insurers recognize
Red Flags: What to Avoid
Warning Signs of Problematic Contractors:
- ✗"We'll handle everything, just sign here": You should always be involved in your own claim
- ✗"We'll waive your deductible": This is insurance fraud in South Carolina
- ✗Door-to-door solicitation after storms: "Storm chasers" often do poor work and disappear
- ✗Pressure to sign immediately: Legitimate contractors give you time to decide
- ✗No local presence or references: Always verify SC licensing and local reputation
What WeatherShield Provides for Claim Assistance
- Free storm damage inspection: Thorough assessment of all damage
- Detailed documentation: Photos, measurements, and written report
- Adjuster meeting support: We'll meet with your adjuster if requested
- Fair estimates: Using industry-standard Xactimate pricing
- Supplement assistance: If your claim is underpaid, we'll help document additional damage
- Transparency: You're always informed and involved in your claim
Claim Timeline: What to Expect in South Carolina
Understanding the typical timeline helps manage expectations and identify when things might be off track.
| Stage | Typical Timeline | Notes |
|---|---|---|
| Storm Event | Day 0 | Document damage immediately |
| Report Claim | Days 1-7 | Sooner is better |
| Adjuster Assignment | Days 3-14 | May be longer after major hurricanes |
| Adjuster Inspection | Days 7-30 | High-volume periods cause delays |
| Initial Settlement Offer | 7-14 days after inspection | Review carefully before accepting |
| Supplement Process (if needed) | 2-6 weeks additional | May require re-inspection |
| Repairs Completed | Varies by scope | Most roofs: 1-3 days |
| Final Payment | Upon completion documentation | Includes recoverable depreciation |
After Major Hurricanes
Following significant hurricanes, this timeline can extend dramatically. After Hurricane Florence and Hurricane Dorian, some adjusters were scheduled 60-90 days out due to claim volume. During these periods:
- Document everything and be patient
- Get on a contractor's waiting list early
- Make temporary repairs to protect your home
- Keep all receipts for emergency work
- Follow up regularly with your insurance company
Myrtle Beach Specific: Hurricanes & Tropical Storms
Living in coastal South Carolina brings unique insurance considerations. Understanding these specifics before a storm hits can save you significant money and stress.
Understanding SC Hurricane Deductibles
South Carolina law allows insurers to use percentage-based hurricane deductibles, which can result in significant out-of-pocket costs.
Hurricane Deductible Calculator
| Home Insured 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 |
Critical: Hurricane deductibles trigger when the NWS issues a hurricane watch or warning for your area—regardless of whether a hurricane actually makes landfall.
When Hurricane vs. Standard Deductible Applies
| Storm Type | Which Deductible? |
|---|---|
| Hurricane (during watch/warning) | Hurricane Deductible (% based) |
| Tropical Storm (no hurricane watch) | Standard Deductible |
| Severe Thunderstorm/Hail | Standard Deductible |
| Nor'easter/Winter Storm | Standard Deductible |
| Tornado (not hurricane-related) | Standard Deductible |
SC Wind and Hail Insurance Pool (SCWHUA)
Many Myrtle Beach homeowners can't get wind coverage from standard insurers and must use the South Carolina Wind and Hail Underwriting Association (SCWHUA), also known as the "wind pool."
- Eligibility: Properties in designated coastal areas where standard coverage is unavailable
- Coverage: Wind and hail damage only (you'll need separate homeowners for other perils)
- Cost: Often more expensive than standard coverage
- Claims: Process similar to standard insurance with some differences
FORTIFIED Roof Discounts
One way to combat high coastal insurance costs is through FORTIFIED roof certification, which can reduce wind premiums by 20-55%. Read our complete guide to FORTIFIED roofs for Myrtle Beach homeowners.
Pre-Hurricane Season Preparation
- Review your policy before June 1st each year
- Know your deductibles—both standard and hurricane
- Document your roof's condition with dated photos
- Get an inspection to address any issues before storm season
- Have a contractor relationship established before you need emergency service
Frequently Asked Questions
How long do I have to file a roof insurance claim after storm damage?
In South Carolina, most policies require you to report damage promptly, typically within 1 year of the damage occurring. However, you should file your claim as soon as possible after discovering damage. Waiting too long can result in claim denial and makes it harder to prove the damage was storm-related. We recommend filing within 30 days of a storm event.
What is the difference between a hurricane deductible and a regular deductible in SC?
A hurricane deductible is typically 2-5% of your home's insured value and only applies when the National Weather Service issues a hurricane warning or watch. A regular deductible is a flat dollar amount (like $1,000 or $2,500) that applies to all other claims including hail, wind from non-hurricanes, and tropical storms. This distinction can mean thousands of dollars in difference to your out-of-pocket costs.
Should I file a claim for minor roof damage or pay out of pocket?
Consider your deductible amount versus repair costs. If damage costs less than 2-3x your deductible, paying out of pocket may be wiser to avoid potential premium increases or coverage issues. However, if damage exceeds $3,000-5,000 or affects structural integrity, filing a claim usually makes sense. A roofing contractor can help assess total damage—what looks minor from the ground often reveals more issues upon professional inspection.
Why was my roof insurance claim denied?
Common denial reasons include: 1) Damage attributed to wear and maintenance issues rather than storm, 2) Filing too late after the storm event, 3) Pre-existing damage not disclosed, 4) Policy exclusions for cosmetic damage, 5) Roof age exceeding policy limits (many policies reduce coverage for roofs over 10-15 years). If denied, request a written explanation and consider getting a second opinion from a public adjuster or licensed roofing contractor.
Can my roofing contractor help with my insurance claim?
Yes, reputable roofing contractors regularly assist homeowners with insurance claims. They can provide detailed damage assessments, meet with adjusters to ensure all damage is documented, supplement claims if the initial estimate is too low, and verify that settlement amounts cover proper repairs. However, be cautious of contractors who want to "handle everything"—you should always be involved in your own claim.
What documentation do I need for a roof insurance claim?
Essential documentation includes: 1) Date-stamped photos and videos of damage, 2) Weather reports confirming the storm event, 3) Contractor's detailed inspection report, 4) Receipts for emergency temporary repairs, 5) Previous inspection or maintenance records, 6) Home inventory showing roof age and materials. The more documentation you have, the stronger your claim.
How does hail damage affect my roof insurance claim?
Hail damage is typically covered under homeowners insurance unless specifically excluded. For asphalt shingles, adjusters look for bruising, cracking, and granule loss. Metal roofs show dents and paint damage. Important: Some policies now exclude "cosmetic" hail damage that doesn't affect roof function. Review your policy carefully. Hail claims usually fall under your standard deductible, not hurricane deductible.
What if my insurance estimate is lower than my contractor's quote?
This is common. Request a detailed line-by-line comparison between the two estimates. Often, insurance adjusters miss damage that contractors find during thorough inspections. You can request a re-inspection or submit a "supplement" with additional documentation. Having your contractor meet the adjuster during inspection often results in more accurate initial estimates.
Get Expert Help with Your Roof Insurance Claim
Navigating a roof insurance claim after storm damage doesn't have to be overwhelming. With proper documentation, understanding of the process, and professional support, you can maximize your claim and get your home properly repaired.
At WeatherShield Roofing, we've helped hundreds of Myrtle Beach homeowners through the insurance claim process. We provide:
- Free storm damage inspections with detailed documentation
- Professional reports that support your claim
- Adjuster meeting support to ensure all damage is captured
- Fair, transparent estimates using Xactimate
- Quality repairs backed by manufacturer warranties
Free Storm Damage Inspection
Think your roof sustained storm damage? Get a professional inspection and detailed documentation to support your insurance claim. Call now or schedule online.
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