SOUTH CAROLINA
Roofing supplement and appraisal clause resources for South Carolina contractors and homeowners.
APPRAISAL CLAUSE IN SOUTH CAROLINA
South Carolina insurance policies include appraisal clauses for resolving disputes about loss amounts. The SC Department of Insurance oversees insurance practices, and appraisal has become a common method for resolving claim disputes without litigation.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN SOUTH CAROLINA
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in South Carolina:
Hurricane damage in the Lowcountry is frequently undervalued
Historic Charleston homes require specialized repair methods not in Xactimate
Coastal labor rates don't reflect actual post-hurricane demand
Flood vs. wind damage disputes are common and often underscoped
COMMON STORM TYPES
SOUTH CAROLINA TIPS
- SC coastal areas have specific wind-resistant building requirements
- Document pre-storm condition of historic properties thoroughly
- Understand the difference between your wind and flood coverage
- SC has specific contractor licensing requirements for roofing work