Storm Damage Roof Repair Experts
Roofing COMPANY
Serving Charleston SC, Greensboro NC & Raleigh NC
Insurance Claims Assistance
Free Roof Inspections
Your Trusted Roofing Contractor in Charleston SC, Greensboro NC & Raleigh NC
Big Bear Roofing specializes in storm damage roof repair and replacement — for Charleston and the Lowcountry, and for our North Carolina service areas. We document the damage thoroughly — photos, measurements, and a detailed written repair or replacement estimate — so you have complete, accurate information for your claim, and we are available to answer your adjuster’s technical questions about the roof. We don’t negotiate insurance claims — South Carolina reserves claim negotiation for licensed adjusters — but our thorough documentation helps ensure the full scope of the storm damage is visible, measured, and on the record. Hail, wind, and storm damage are considered insurance losses on your homeowner’s policy.
Depending on your policy, storm damage to your roof may be covered — coverage, your deductible, and how the payout is calculated (replacement cost vs. actual cash value) are determined by your policy terms and your insurer. How a weather claim affects your policy going forward varies by carrier and policy — your insurance agent can tell you exactly how yours handles it. Our thorough documentation helps ensure the full scope of the storm damage is visible, measured, and on the record when your insurer reviews the claim.
For the full claim walkthrough, see our South Carolina and North Carolina roof insurance claim guides. If hail or wind just hit the Lowcountry, our Charleston storm and hail damage guide covers what to check first.
Insurance Claims Assistance
Free Roof Inspections
Your Trusted Roofing Contractor in Charleston SC, Greensboro NC & Raleigh NC
Big Bear Roofing specializes in storm damage roof repair and replacement — for Charleston and the Lowcountry, and for our North Carolina service areas. We provide the detailed damage documentation and written estimate you need for your insurance conversation, and we are available to answer your adjuster’s technical questions about the roof. Hail, wind, and storm damage are considered an insurance loss on your homeowner’s policy.
Depending on your policy, storm damage to your roof may be covered — coverage, your deductible, and how the payout is calculated (replacement cost vs. actual cash value) are determined by your policy terms and your insurer. How a weather claim affects your policy going forward varies by carrier and policy — your insurance agent can tell you exactly how yours handles it. Our thorough documentation helps ensure the full scope of the storm damage is visible, measured, and on the record when your insurer reviews the claim. For the full claim walkthrough, see our South Carolina and North Carolina roof insurance claim guides. If hail or wind just hit the Lowcountry, our Charleston storm and hail damage guide covers what to check first.
REQUEST YOUR APPOINTMENT NOW!
GIVE US A CALL OR SEND US A MESSAGE.
Call 843-544-9537 — answered 24/7.
Tips for Filing an Insurance Claim for Storm Damage
Get Your Insurance Claim Paid & Your Repairs Quickly
Don’t wait! Call the experts at Big Bear Roofing to inspect your roof for any damage. Our experienced roofers know where to look for damage and we will thoroughly document it. Waiting too long to contact your insurer can jeopardize your claim, so report it promptly once you have the documentation. Look for reporting deadlines and what types of roof damage are covered. Keep records of any out-of-pocket expenses that may be eligible for reimbursement. Our free inspection gives you the photographed evidence to support your claim from day one.The Insurance Claims Process
for Storm Damage
Work With Big Bear To Get Your Repairs Rapidly.
INSPECT ROOF
The process starts with a roof inspection. Not all roofing contractors are qualified to make a thorough inspection of storm damage. Less experienced roofers may miss important but subtle signs the roof requires repair or replacement. At Big Bear, our roofers are trained to identify damage properly and can diagnose issues in a way that’s in line with insurance company guidelines. That means you may have a better chance of filing a successful insurance claim for your damaged roof.
REPORT THE CLAIM
If the inspection shows storm damage significant enough to warrant a replacement, we hand you the documentation you need — and you report the claim to your insurer. Once the claim is filed, an Insurance Adjuster is assigned and will make an appointment to inspect your roof and document the damage. Your Big Bear Representative will be on site while the adjuster assesses your roof, to make sure the damage is properly documented and to answer any technical questions the adjuster may have.
INITIAL PAYMENT
Once the assessment is complete, the Insurance Adjuster will prepare an estimate for you and give you the first check for your roof replacement or repair. The insurance adjuster may either do that in person or mail these items to you.
REVIEW ESTIMATE
Together, we will review the paperwork to help you completely understand it. At this time, you will select your roofing product. If everything is in order, we will get work to repair your roof quickly and professionally. We don’t collect your first insurance check from you until we have delivered all materials to your home which is typically one day before your project begins.
FINAL PAYMENT
Once all the work is complete, we submit the completed-work documentation your insurer needs in order to release the final payment to you. Your insurance company will never send us the check directly. Instead, we will pick it up from you. The entire process, from filing the claim to a restored roof, typically takes approximately 2 to 3 weeks depending on how quickly your insurance company acts.Storm Damage Roof Repair in Charleston: What To Do First
After a storm hits your Charleston-area roof, work this sequence: document the damage from the ground — never climb a wet, compromised roof; check the attic for leaks and daylight; get active water intrusion stopped with a professionally installed emergency tarp-over (that’s our job — safe roof access, not yours; inside, move valuables and catch what you can) and keep every receipt, since most policies require reasonable steps to prevent further damage; then report the claim to your insurer promptly and get a professional inspection on the calendar. Big Bear’s storm damage roof repair team covers the Charleston Tri-County area with free, drone-assisted storm inspections — call 843-544-9537, day or night, and we’ll have your roof documented, slope by slope, ahead of the adjuster’s inspection whenever the schedule allows.
Built for Charleston wind — not just patched
Charleston roofs live in one of the country’s toughest wind environments: design wind speeds along the coast run 130–150 mph under the standards the current code references (ASCE 7-16), and the 2021 International Residential Code has applied statewide since January 2023. So when we replace or rebuild storm-damaged roofs here, the detailing is coastal-grade — six-nail fastening patterns, high-wind-rated shingles, and sealed secondary water-barrier practices in the coastal zone, per current code and manufacturer specifications. The roof you pay for should be built for the next storm, not just the last one.
Know your hurricane deductible before the season starts
Read your declarations page before a named storm ever forms: many coastal South Carolina policies carry a separate hurricane or named-storm deductible calculated as a percentage of your dwelling coverage (Coverage A) — typically 1–5% — not a flat dollar amount. South Carolina requires insurers to disclose that separate deductible prominently on the policy face with a worked dollar example (DOI Regulation 69-56). In practice: on a $400,000 dwelling limit, a 2% named-storm deductible means $8,000 out of pocket before coverage pays — an illustration only; your policy’s trigger, percentage, and terms control. Our documentation doesn’t change your deductible — it helps make sure the full scope of the storm damage is visible, measured, and on the record.
The claim, done the compliant way
You own the claim — we document it. Big Bear inspects and photographs slope by slope, writes the detailed damage estimate and technical evaluation you hand your insurer, and is on-site at the adjuster visit to answer technical questions about the roof. We don’t negotiate claim value or policy terms — South Carolina law bars roofing contractors from doing that on your behalf — and the same law (§ 40-59-25) bars any roofer from paying, rebating, or offsetting your deductible; walk away from any storm chaser who offers to. For the full walkthrough — RCV vs. ACV, timelines, and your rights — start with our Charleston storm and hail damage guide and the South Carolina roof insurance claim guide.
One storm team across the Lowcountry
From the peninsula and Mount Pleasant to Summerville, Goose Creek, and Moncks Corner, our crews handle storm damage roof repair across Charleston, Berkeley, and Dorchester counties. As a GAF Master Elite–certified Charleston roofer, we’re the same local team before the storm and long after the job is done. Ready now? Call 843-544-9537 or request your free storm inspection online.