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State resource center
South Carolina claim resources.
A single starting point for South Carolina-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated October 10, 2023 · Fact-checked by Brelly Legal Team
The deep guide
The South Carolina Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Laws, deadlines, and other critical info that every homeowner, business, and professional should know about South Carolina property insurance claims.
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Making the Claim -- Frequently Asked Questions
One of the very first things to do in a claim is actually make the claim. Doing this is simpler than it might seem — all that’s legally required is notice to the insurance company about the loss (fire, theft, water, etc.). It’s still important to understand best practices at this stage to avoid pitfalls that could prove costly later in the claim.
Proving the Loss -- Frequently Asked Questions
After you’ve notified your insurance company and started the claim, you need to prove the losses to the insurance company. Proving that the property suffered losses and that those losses are covered under the insurance policy is at the heart of an insurance claim. Here’s what you need to know when navigating this stage of your claim.
Getting the Check -- Frequently Asked Questions
Getting the money you need to be made whole — it’s the reason a policyholder pays premiums. Here are a few expert pointers to know at this crucial final steps in the insurance claim.
Primary sources
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The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
S.C. Insurance Code § 38-75-790: Nonrenewal of homeowners insurance.
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S.C. Insurance Code § 38-59-10: Proof of loss forms required to be furnished.
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S.C. Insurance Code § 38-2-10: Administrative penalties
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S.C. Insurance Code § 15-3-530(8): Three Year Statute of Limitations.
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