Charleston & South Carolina Public Adjusters
Property damage in South Carolina?Understand what your insurance claim should cover.
Our South Carolina Public Adjusters inspect the loss, document the damage, review your policy, prepare a detailed repair estimate, and present your property insurance claim to the insurance company with the documentation needed to support it.
Tell us what happened. We'll review your loss at no cost.
Free Claim Review
A few quick details and a licensed Public Adjuster from our North Charleston office will follow up shortly.
Thank you. A licensed Public Adjuster will reach out shortly. If you need help right now, call (843) 892-0033.
No Two South Carolina Claims Look the Same
South Carolina runs from the barrier islands on the coast up to the Blue Ridge, and the property changes the whole way. What a loss looks like in Charleston is not what it looks like in Columbia or Greenville, and the coverage behind it is not always the same either.
Charleston alone includes a wide range of property types. Historic homes South of Broad, newer construction through Summerville and Cane Bay, marsh-front houses on Johns Island, beach homes on Sullivan's Island and Folly Beach, and condos and raised foundations in Mount Pleasant can all present different issues after a loss. Historic property can be especially complex, with heart pine, lath and plaster, slate, copper, piazzas, and finishes that cannot simply be matched from a catalog.
Then there is the policy itself. Named storm deductibles that work differently from the rest of the coverage, wind versus water on the same loss, tidal flooding, and the detached structures, docks and outbuildings that get skipped. We inspect all of it and price the repair the way it will actually be performed.
Lowcountry Coverage, Statewide Support
Our North Charleston office serves property owners throughout Charleston and the Lowcountry, from barrier-island and waterfront properties to historic homes, inland neighborhoods, condos, and commercial buildings. Beyond the Lowcountry, our South Carolina team provides Public Adjuster representation statewide, handling property insurance claims from the coast and Grand Strand through the Midlands and into the Upstate. VIP Adjusting also has offices in Florida and Texas.
You pay nothing up front and nothing out of pocket. Our fee is contingent on recovery from your property insurance claim, and reviewing your loss is always free.
Meet Oscar Knight
Oscar runs VIP Adjusting's South Carolina office in North Charleston, where he leads regional operations and stays hands-on in the field. He oversees day-to-day claim work across the state, coordinating inspections, documentation, and estimates for residential and commercial policyholders.
He came to claims from a background in security, where protecting people and property sharpened his situational awareness and ability to stay calm under pressure. In the field, he is known for thorough inspections and for explaining complicated damage and coverage questions in a way that makes sense, including hurricane and windstorm losses, plumbing leaks, roof failures, and flood claims.
The Experience Behind Every Claim
Licensed by the South Carolina Department of Insurance, with licenses you can look up yourself before you sign anything.
↗ IICRC CertifiedCertification through the IICRC, which writes the standards the restoration industry works to for water, fire, and mold losses.
↗ FAA Part 107 Drone CertifiedFAA certified drone pilots on staff, so steep roofs and large losses get documented from the air rather than guessed at.
↗ Xactimate CertifiedWe estimate in Xactimate, the same platform the carriers price claims in, so the numbers are being compared like for like.
↗ BBB Accredited BusinessBBB accredited with a 5-star rating, and a public complaint history you are welcome to read.
↗ WIND Network MemberProfessional members of the Windstorm Insurance Network, which focuses on wind and hurricane claim practice.
↗Not sure where your claim stands?
Send us the information and paperwork you have so far. A South Carolina Public Adjuster will review your property insurance claim at no cost, explain what your policy covers, identify any issues or gaps, and walk you through your options.
As your South Carolina Public Adjuster, we will
We carefully review your insurance policy and supporting documents to understand your coverage and the details of your loss.
Whether starting new or pursuing a supplement, we ensure your claim is filed properly and progresses without delay.
We manage all communication with the insurance company and provide regular updates throughout the process.
We perform a detailed inspection, documenting all damage thoroughly to support and strengthen your claim.
We prepare a professional estimate of repair and replacement costs using Xactimate, the industry-standard estimating platform used throughout the insurance industry.
We handle all required claim forms and documents, ensuring everything is completed and submitted accurately.
We negotiate directly with the insurance company using the documentation, estimate, and policy support behind your claim.
We help finalize, process, and secure payments due under your policy, including initial, supplemental, and final disbursements.
the Maximum Settlement
From the first inspection through the final payment, every step is focused on one outcome: documenting, supporting, and negotiating your claim for the maximum settlement available under your policy.
The Difference Is in the Details
Property insurance claims are decided on what can be documented and supported. These real results compare the insurance company's initial offer with the final settlement recovered after VIP Adjusting stepped in to inspect, estimate, document, and negotiate the claim.
A tree came down on the house, and the damage ran well past the point of impact once the structure was opened up.
Hail bruised the roof and damaged the exterior, and much of the damage was left out of the carrier's initial scope.
A supply line let go inside the wall and soaked the framing, flooring, and cabinetry before it was caught.
Every claim is unique. Results vary based on individual policy coverage, damage, and circumstances. Past results are not a guarantee of future outcomes.
Property Damage Claims We Handle in South Carolina
Residential, historic, condo, and commercial property losses throughout South Carolina, including claims the insurance company has already inspected, underpaid, delayed, or denied.
Frequently asked questions
What does a Public Adjuster actually do?
The adjuster the insurance company sends works for the insurance company. A Public Adjuster is licensed to work for you. We inspect and document the loss, price the repairs, read the policy, and present the claim on your behalf.
My carrier already sent an adjuster. Is it too late to call you?
No, and this is when most people call us. A carrier inspection and a first estimate are a starting position, not a final one. We compare their scope against what we document, and where repairs were missed or underpriced, we put together a supplement.
What if my claim was underpaid, delayed, or denied?
That is a large part of the work at this office. We look at the policy, the carrier's reasoning, and the damage itself, then re-document the loss and present the evidence for reconsideration.
Do you handle hurricane and windstorm claims in South Carolina?
Yes, and it is most of what this office handles. Wind, wind-driven rain, tile and shingle roof losses, screen enclosures, and the interior damage that surfaces weeks afterward. See our hurricane and windstorm page for more.
What about flood and storm surge?
Yes. On this coast wind and water routinely land in the same loss, and carriers often split the two, with flood sitting on a separate policy entirely. Part of our job is establishing how the damage happened and which coverage answers for it.
Do you work with condo owners and associations?
Both. Condo losses usually involve figuring out where the association's master policy ends and the unit owner's HO-6 coverage begins, and we take claims on either side of that line.
Do you handle commercial property claims?
Yes. Owners and tenants, including the building, tenant improvements, equipment and contents, and business interruption while the space cannot be used.
How far do you travel from Charleston?
Our North Charleston office serves property owners throughout the Lowcountry, and our South Carolina team handles property insurance claims statewide. We serve coastal communities, the Grand Strand, the Midlands, and the Upstate, so representation is not limited to the Charleston area.
When should I call?
Sooner is better, while the damage and supporting evidence are fresh. We can help whether you have not filed yet or your claim is already underway, underpaid, delayed, or denied.
What does it cost?
Consultations are free, and we work on contingency: a percentage of your settlement, with no upfront costs. If your claim doesn't result in a payout, you owe us nothing.
We Handle Claims With Every Carrier
The insurance companies below are just a sample of the carriers our Public Adjusters work with. No matter who issued your policy, we can handle the claim and represent you throughout the process.
VIP Adjusting is an independent Public Adjusting firm representing policyholders. We are not affiliated with, or endorsed by, any insurance carrier.