After a storm
What to do first, and what we do
Upstate storms bring wind, hail and the remnants of tropical systems. Here is the order we would do things in.
Step 1: Stay off the roof
Look from the ground and take photos of anything you can see, including the yard and the gutters.
Step 2: Protect what you can
Move things away from a leak, and use a tarp for a temporary cover. Keep the receipts.
Step 3: Call your insurer yourself
You decide whether to file a claim, and you deal with your insurer.
Step 4: Ask for an inspection
We walk the roof, photograph what we find and write an itemized estimate.
Step 5: You decide
You can share our photos and estimate with your insurer. What happens next is between you and them.
Where we stand
The roofer's part, and the part that is yours
You decide whether to file
We never tell you to file a claim.
Your deductible stays yours
Roofers can't pay, waive or absorb it, and none of our prices depends on a claim.
We are not public adjusters
We inspect, photograph and write an itemized estimate. If you ask, we will meet your adjuster at the house.
Storm questions
What homeowners ask after a storm
Will insurance pay for my roof?
For sudden damage, subject to your policy. Insurance does not pay for wear, age or poor maintenance. You decide whether to file a claim, and you deal with your insurer. Your deductible stays with you.
Can a roofer cover my deductible?
No. Roofers in South Carolina cannot pay, waive or absorb it, and we don't offer to. We can inspect, photograph the damage and write an itemized estimate you can share with your insurer.
What should I do right after storm damage?
Photograph it, make only temporary repairs such as a tarp, and tell your insurer yourself. Then ask for a roof inspection. If you want us there when the adjuster comes, say so.
What about a stranger at my door offering a free roof?
Insurance pays only for covered damage, and you still owe your deductible. Check the contractor's license, a local address and proof of insurance, and don't sign over your claim rights.
How do I know if it is hail damage?
Look for bruised or cracked shingles, round patches where granules are gone, and dents in vents and gutters. Photograph them before anyone else touches the roof.
What are Class 4 shingles, and do they lower my insurance?
UL 2218 Class 4 is the highest impact rating for roofing products. Some insurers discount for it and each company decides, so ask your agent before you buy.
Ask for a post-storm roof walk
We will look at the roof, photograph what we find and write it down. You decide what to do with it.