South Carolina roof insurance claim deadlines
South Carolina sets its insurer clocks through S.C. Code Title 38, Chapter 59, read on the South Carolina Legislature's own site. The South Carolina text we read names no acknowledgement period. 2 South Carolina limits follow.
Every South Carolina clock, with its source
| Who | Step | Deadline | Rule |
|---|---|---|---|
| Insurer | Send you proof-of-loss forms after your notice If the forms do not arrive in 20 days, you are treated as having met the proof-of-loss requirement. |
20 days | S.C. Code §38-59-10 |
| Insurer | Settle after your demand, or risk paying your attorney's fees If suit follows and the refusal was without reasonable cause or in bad faith, the insurer owes attorney's fees (capped at one-third of the judgment). The 90 days run from your demand, not from the loss. |
90 days | S.C. Code §38-59-40 |
Checked 2026-10-08 against 1 linked South Carolina sources.
What the South Carolina text says
“If the forms are not furnished within twenty days after the receipt of the notice, the claimant is considered to have complied”
S.C. Code §38-59-10, source text, read 2026-10-08.
“ninety days after a demand”
S.C. Code §38-59-40, source text, read 2026-10-08.
What we could not confirm in South Carolina
- No statewide notice deadline in Chapter 59; the policy sets it. Official page.
- No statewide suit deadline confirmed from an official source in this check; the policy governs. Official page.
- Chapter 59 sets no acknowledgement or decision deadline; only the 20-day forms rule and the 90-day demand rule. Official page.
Not legal advice. South Carolina Code §38-59-20 lists unfair claim practices but sets no number of days; the day counts shown come from other sections of Chapter 59 and bind the insurer. Your own notice and suit periods are in your policy. Ask the South Carolina Department of Insurance or an attorney. Information only. Complaints in South Carolina start with the South Carolina Department of Insurance.
South Carolina claim questions
- What does S.C. Code §38-59-10 require of the insurer?
- 20 days to send you proof-of-loss forms after your notice. If the forms do not arrive in 20 days, you are treated as having met the proof-of-loss requirement.
- Is there a set South Carolina deadline for telling my insurer about roof damage?
- No statewide notice deadline in Chapter 59; the policy sets it.
- How long can a South Carolina policyholder wait before taking a roof claim to court?
- No statewide suit deadline confirmed from an official source in this check; the policy governs.
Answers use the limits and citations in the table above, checked 2026-10-08. Information, not legal advice.
South Carolina hail history
NOAA lists 6 South Carolina cities. Since 2014 they added up to 134 city-days of hail at 1 inch or more in South Carolina; the top stone was 3.0 inches and South Carolina's busiest month is May.
South Carolina: monthly hail reports from NOAA Storm Events.
South Carolina: the first week
- Photos of the South Carolina damage, dated; checklist here.
- Send the South Carolina claim in writing and keep the date.
- South Carolina sets no fixed decision period in this rule. Date each page you send the South Carolina adjuster.
- A second opinion on price: South Carolina roofers.
South Carolina cities we cover
| City | Roof age | Hail | Roofers |
|---|---|---|---|
| Columbia | How old are the roofs | Storm history | Roofers |
| Florence | How old are the roofs | — | Roofers |
| Greenville | How old are the roofs | Storm history | Roofers |
| Myrtle Beach | How old are the roofs | — | Roofers |
| Rock Hill | How old are the roofs | — | Roofers |
| Spartanburg | How old are the roofs | — | Roofers |
Nearby states
Georgia, Virginia, Alabama, Tennessee or all states.