South Carolina Insurance Claim Attorneys
When severe weather, water damage, or fire disrupts your life, Payne Law stands ready to protect what matters most. Our attorneys represent homeowners, HOAs, and businesses across South Carolina in denied, delayed, and underpaid insurance claims, handling storm, hail, water, fire, and property damage cases from Charleston to Greenville, Myrtle Beach to Columbia, and beyond.
With a deep understanding of South Carolina’s insurance laws and decades of combined experience, we guide clients through every step of the claims process—proving damages, meeting deadlines, and pursuing full recovery when insurers fall short.
Why South Carolinians Choose Payne Law
In South Carolina, storms and coastal systems bring heavy rain, wind, and hail every year. Inland regions face burst pipes, mold, and fire risks from older structures and power surges. We’ve seen it all—and we’ve helped thousands of clients fight back when insurers underpay or deny valid claims.
Here’s why South Carolinians trust us:
- Local Experience: We understand how storms impact coastal and inland construction, from stucco to shingle to flat roofs.
- Proven Results: Our firm recovers millions annually across all states and maintains a 99% success rate.
- Hands-On Advocacy: You’ll work directly with experienced attorneys who build your claim, not call centers.
- Fast, Effective Action: From appraisal to mediation, we move quickly to secure the compensation your policy promises.
South Carolina's Practice Areas
Hurricane & Tropical Storm
Flooding, wind damage, and interior destruction.
Wind Damage
Roof leaks, broken windows, and structural issues.
Hail Damage
Roof dents, cracked windows, and siding damage.
Roof Damage
Full replacement, active leaks, missing shingles.
Water Damage & Leaks
Plumbing leaks, appliance overflows, and mold risk.
Mold Damage
Hidden growth, remediation, air quality.
Fire & Smoke Damage
Property destruction, smoke residue, and rebuild costs.
Lightning & Power Surge
Power surges, electrical fires, and system failure.
Tornado Damage
Structural collapse, debris impact, and roof loss.
Sinkhole Damage
Subsidence, foundation cracks, structural shift.
Snow & Ice Damage
Snow load, ice dams, and freeze-burst pipes.
Personal Injury
Car accidents, slip and falls, and serious injuries.
Commercial & Large Loss
Business interruption, vandalism, and fire damage.
Denied or Underpaid Claims
Low offers, delays, claim denials.
Common Insurance Claims in South Carolina
- Hurricane & Wind Damage: The Lowcountry and Grand Strand are vulnerable to tropical systems that rip shingles, damage flashing, and push water through soffits, windows, and doors. We connect roof and interior water damage to covered wind events—not excluded flood conditions.
- Hail Damage: Cities like Greenville, Columbia, and Florence regularly face hailstorms that cause roof bruising, cracked tiles, and dented metal systems. We use roof reports and thermal imaging to prove functional—not cosmetic—damage.
- Water & Mold Damage: In South Carolina’s humid climate, water losses can quickly become mold losses. We ensure remediation costs, contents damage, and code-required rebuilds are fully included in your claim.
- Fire & Smoke Damage: Electrical shorts, lightning, and kitchen fires can leave behind smoke odor, structural damage, and uninhabitable conditions. We pursue compensation for cleanup, repair, and additional living expenses.
- Commercial & HOA Claims: From Charleston’s historic districts to Columbia’s commercial corridors, we help boards and business owners handle large-scale property claims, coordinating multi-building inspections and coverage scopes.
Understanding South Carolina Insurance Claim Rules
South Carolina law requires insurers to act in good faith, but delays, underpayments, and bad-faith denials still happen. Property owners must give prompt notice, mitigate damage, and comply with policy conditions—yet insurers must also investigate fairly and pay covered losses promptly.
Our firm handles:
- Proof-of-loss preparation and documentation review
- Reinspection and supplement requests for missed or underpriced items
- Appraisal or mediation when the carrier disputes your estimate
- Bad-faith litigation when insurers unreasonably delay or deny payment
We know how to balance cooperation with firm advocacy—pushing carriers to act, not stall.
When South Carolina Businesses Call Us
From Myrtle Beach resorts to Charleston restaurants and Columbia offices, businesses rely on Payne Law for property and Business Interruption (BI) claims. When damage halts operations, we step in to document loss, coordinate rebuilds, and recover every dollar possible.
We manage:
- Roof and structural repairs for commercial properties
- Inventory, equipment, and signage losses
- HVAC, lighting, and electrical system damage
- BI and Extra Expense calculations with forensic accountants
- Ordinance or Law/code upgrade reimbursement
We understand that downtime costs money, and we fight to minimize it.
- Deep experience with South Carolina disputes
- Clear updates and a straightforward game plan
- We negotiate hard; then litigate when needed
- Serving homeowners, businesses, and HOAs across Florida
These testimonials and case results do not guarantee similar outcomes. Every case is unique and depends on the specific facts and circumstances involved.
More About Payne Law
With a team of skilled attorneys, Payne Law focuses on property insurance disputes and serious injury cases for homeowners, HOAs, and businesses across Florida, Georgia, Colorado, North Carolina, South Carolina, and Texas. Our lawyers are recognized for results and service, and we pair that experience with clear communication and no upfront fees. When an insurer delays, denies, or underpays, we’re ready to step in and fight for full recovery.
Serving Communities Across South Carolina
Payne Law proudly serves clients across Charleston, Columbia, Greenville, Myrtle Beach, Florence, Summerville, Mount Pleasant, Spartanburg, Hilton Head Island, North Charleston, Rock Hill, Goose Creek, Beaufort, and Conway.
Whether you live along the coast, in the Midlands, or upstate, our attorneys know the unique challenges of South Carolina property claims, from hurricane and hail impact to plumbing and fire losses. We’re proud to help South Carolinians rebuild their homes, their businesses, and their peace of mind.
Our Process
Free Claim Review: Policy Declarations, photos, estimates, and inspection reports.
Scope & Value: We identify missing line items (roof system, underlayment, code upgrades).
Demand & Negotiation: We pursue fair payment; if the carrier stalls, we escalate.
File Suit if Needed: We litigate in Orange County and statewide to protect your rights.
Start With a Free Case Review
If the insurer is delaying, denying, or underpaying, we’re ready to help. Tell us what happened, we’ll confirm coverage issues, discuss strategy, and next steps.
Call (833) 467-2963 or Contact Us Online
- Proven Results
- No Fee Unless We Win
- Local Knowledge
- Insurance Experience
- Trial-Ready
South Carolina Insurance Claim Frequently Asked Questions
Every case is different; the best answers come from looking at your facts, documents, and deadlines. Contact Payne Law for a free, no-obligation review and clear next steps.
My insurance claim was denied—can I still fight it?
Yes. A denial doesn’t always mean the end of your claim. Many denials in South Carolina are based on incomplete inspections or wrong assumptions about causation. We can review your denial letter, gather expert evidence, and pursue reinspection, appraisal, or even litigation if necessary. South Carolina law allows homeowners to recover additional damages if the carrier acts in bad faith.
How long do I have to file or reopen an insurance claim in South Carolina?
Most policies require “prompt” notice—typically within 30–60 days—and lawsuits must generally be filed within three years of the loss. However, the exact timeline depends on your policy and when the damage was discovered. We review deadlines immediately so you don’t lose rights due to delay.
Does my homeowners insurance cover wind and flooding?
Standard homeowners policies cover wind and wind-driven rain but exclude storm surge and overland flooding. You may need separate flood insurance for those. Our attorneys help identify all applicable coverages, including Ordinance or Law provisions that pay for code-required upgrades during repair.
Can I recover for mold or hidden water damage?
Yes—if the cause is covered. Mold remediation, especially following leaks or storm damage, can be included under water loss coverage or separate endorsements. We help ensure testing, remediation, and reconstruction costs are fully accounted for so you’re not left paying out of pocket.
Why hire a South Carolina insurance claim attorney instead of handling it yourself?
Insurance policies are written to favor carriers. Missing a documentation detail or policy deadline can cost thousands. Our team understands how South Carolina insurers evaluate claims and what evidence they can’t ignore. We negotiate and litigate from a position of strength, often recovering far more than what was first offered.
What happens if my insurance company delays payment?
Under South Carolina law, insurers must investigate promptly and pay covered claims within a reasonable time. When they drag their feet, we send formal demand letters and, if necessary, file a bad-faith action to pursue damages, interest, and attorney fees.
