Free roof coverage check
Roof insurance policy checker for South Carolina homeowners
Upload your homeowners policy. We'll read the fine print and tell you, in plain English, how your roof is covered and what a new roof would really cost you.
- 1. Your policy
- 2. Roof details
- 3. Results
Upload your homeowners policy.
We'll read the fine print so you don't have to.
Drag files here or choose them below
PDF, JPG, PNG or HEIC · up to 5 files · 25 MB totalWhat to upload
- Your declarations page (the summary with your coverages and deductibles).
- Any endorsement titled "roof surface payment schedule".
- Any "cosmetic damage" exclusion endorsement.
- Any "wind/hail", named-storm or hurricane deductible endorsement.
You don't need the whole 60-page policy.
Don't have it handy?
Questions we get every week
Straight answers.
Is it free?
Yes. There's no cost and no obligation. You see your results right away, without giving us your phone number.
Is my policy private?
Your documents go to a private, encrypted storage area that only Phil and Alicia can open. We delete the uploaded files automatically after 30 days and keep only the plain-English summary. We never sell or share your information.
Are you a public adjuster?
No. Legacy Roof SC is a licensed South Carolina roofing contractor (Verify license). We don't negotiate claims on your behalf or give legal or insurance advice. We help you understand what your policy says about your roof, and we document roof damage honestly.
What's ACV vs replacement cost?
Replacement cost (RCV) pays what it costs to put a new roof on today, minus your deductible. Actual cash value (ACV) subtracts depreciation for the roof's age first, so an older roof pays out less and you cover the difference.
What's a roof payment schedule?
A roof surface payment schedule is an endorsement that pays a set percentage of the roof cost based on its age. A 15-year-old roof might pay only 40–50%, even for real storm damage.
What's a percentage wind deductible?
Instead of a flat amount, your wind or hail deductible is a percentage of your dwelling coverage (Coverage A). A 2% deductible on a $300,000 home is $6,000 out of pocket before insurance pays.
Privacy note. Your policy is stored in a private, encrypted area only Legacy Roof SC's owner and office manager can open. Uploaded files are deleted automatically after 30 days; we keep the plain-English summary so we can help you later. We never sell or share your information. Questions: hello@legacyroofsc.com. See also our storm and insurance claims guide.