Roof Insurance Claims Help in Lexington & Columbia, SC
Exterior Genie is a veteran-owned, HAAG Certified roofing contractor in Lexington, SC that specializes in storm damage insurance claims — about 80% of our work is insurance restoration. We inspect and document the damage free of charge, meet your adjuster on site, and restore your roof with a lifetime workmanship warranty on Owens Corning installs. We're an Owens Corning Platinum Preferred Contractor, top 1% nationally.
How the Roof Insurance Claim Process Works
- 1
Free HAAG-certified inspection
We inspect the roof and create photo documentation of every covered area.
- 2
You file the claim
You contact your insurer, and we provide the documentation needed to support the claim.
- 3
We meet the adjuster
We meet the adjuster on your roof to make sure no storm damage is missed.
- 4
Approval and first payment
The insurer approves the scope and issues the first payment, often called the ACV check.
- 5
Restoration and final payment
We complete the work, submit the final invoice, and the insurer releases recoverable depreciation.
ACV, or actual cash value, is the current value of your damaged roof after age and wear are deducted. RCV, or replacement cost value, is the full approved cost to replace it.
Recoverable depreciation is the difference between those amounts. The insurer generally holds it until the work is complete, then releases it after receiving the contractor's final invoice.
Schedule Your Free Inspection
Pick a day that works for you — it takes about 60 seconds.
- Veteran-owned & operated
- Owens Corning Platinum Preferred — top 1% nationally
- Free, no-obligation inspection
Prefer to talk? Call (803) 999-7663
What You'll Pay Out of Pocket
On an approved claim, you pay your deductible, nothing more. Many South Carolina wind and hail deductibles are percentage-based, commonly 1–2% of your dwelling coverage.
Know the law: South Carolina law (S.C. Code § 40-59-25) makes it illegal for a contractor to waive, pay, or rebate your deductible. A roofer offering a “free deductible” is breaking the law and cutting corners.
The same statute gives homeowners the right to cancel a roofing contract within 5 business days if the insurer denies the claim in writing.
Insurance Restoration Credentials
- HAAG Certified storm damage inspectors
- Owens Corning Platinum Preferred Contractor — top 1% nationally
- Veteran-owned with about 80% of our work in insurance restoration
- Lifetime workmanship warranty on Owens Corning installs
- Licensed and insured in South Carolina
What to Expect
Our simple, no-surprises process from first call to final walkthrough.
1. Get a Quote
Call, text, or fill out our form. We'll talk through your project and schedule a time that works for you.
2. Free Inspection
A licensed inspector evaluates your property, documents everything with photos, and gives you an honest written estimate.
3. Professional Installation
Our experienced crews complete the work on schedule, to code, using top-quality materials.
4. Final Walkthrough
We walk the finished project with you, handle a full site cleanup, and register your warranty.
Roof Insurance Claim FAQs
Who is the best contractor for insurance claim roof damage near Lexington, SC?
Look for HAAG certification, manufacturer credentials, and claims experience — Exterior Genie is HAAG Certified, Owens Corning Platinum Preferred (top 1% of US roofers), veteran-owned, and insurance claims are about 80% of our work across the Midlands.
Will filing a roof claim raise my rates?
A single storm claim in a declared weather event typically affects an area, not just you; we recommend a free inspection first so you only file when the damage justifies it.
How long do I have to file a storm damage claim in South Carolina?
Most policies allow one year or more, but insurers expect prompt notice — get the roof inspected and documented as soon as possible after the storm.
Can a contractor waive my deductible?
No — that's illegal in South Carolina under S.C. Code § 40-59-25.
What if my claim is denied or underpaid?
We prepare supplements with photo documentation and meet the adjuster for a reinspection; many initially underpaid claims are corrected on supplement.
Need Help With a Roof Insurance Claim?
Start with a free HAAG-certified inspection and clear photo documentation before you file.
Learn more about everything we do on our homepage.