Public Adjuster Charleston, SC

Licensed public adjusters serving Charleston and the Lowcountry: hurricane, storm-surge, wind, water, and roof claims handled on contingency.

Call (305) 336-3302 Free inspection
Charleston · Charleston County

Local claims help that works only for you.

Charleston's low elevation and dense historic building stock leave it exposed to hurricane wind, storm surge, and tidal and rainfall flooding, layered losses that carriers routinely underscope on a first inspection.

Vanguard Claims represents Charleston policyholders, never the insurance company. We document the full scope of your loss and negotiate for the settlement your policy owes, on contingency. No upfront fees; we're only paid after you recover.

Local market

Why Charleston homeowners face underpaid claims

Charleston sits at the heart of South Carolina's most hurricane- and flood-exposed market. Coastal wind risk and repeated tidal and rainfall flooding have tightened the local insurance picture, and first-pass settlement offers on wind, surge, and water claims are frequently leaner than what a policy actually owes.

The Lowcountry's mix of centuries-old peninsula homes, raised coastal construction, and sprawling suburban West Ashley and Mount Pleasant takes storm damage differently across the region. Wind-driven rain, surge intrusion, and the mold that follows standing water produce exactly the kind of layered damage that a carrier's first scope tends to miss.

Storm exposure

Charleston County storm & damage exposure

Charleston County is among South Carolina's most populous and most flood-exposed counties. Low elevation, historic construction, and repeated coastal storms make thorough, well-documented damage scopes essential to a fair settlement.

  • Hurricane Hugo (1989). Made landfall just north of Charleston near Sullivan's Island in September 1989 as a Category 4 hurricane, and remains the benchmark catastrophic wind-and-surge event for the Lowcountry.
  • Hurricane Matthew (2016). Made landfall near Cape Romain in October 2016 as a Category 1 hurricane, driving widespread wind damage, tree loss, and coastal flooding across the Charleston area.
  • Tropical Storm Irma (2017). Passing offshore in September 2017, Irma pushed a major tidal surge, among the highest on record, into downtown Charleston and low-lying neighborhoods, causing extensive water-intrusion losses.
Where we work

Charleston neighborhoods we serve

We handle hurricane, water, roof, fire, and mold claims for homeowners and businesses across Charleston, including:

  • South of Broad
  • Harleston Village
  • Ansonborough
  • French Quarter
  • Wagener Terrace
  • West Ashley
  • James Island
  • Johns Island
  • Mount Pleasant
  • Daniel Island
How we help in Charleston

Services for Charleston County

Residential Claims

Homeowner property damage claims, handled end to end.

Commercial Claims

Business interruption and commercial property losses.

Supplement Claims

Underpaid or partially denied claim? We reopen it.

Appraisal & Mediation

Dispute resolution when you and the insurer disagree.

Denied Claims

A denial is rarely the end. We re-inspect, rebuild it, and fight back.

Claims we handle in Charleston

Every major property loss.

Hurricane Damage

Hurricane or storm damage claim? We document every loss and fight for the full payout your policy owes.

Water Damage

Water damage from plumbing, roof leaks, or flooding? We document the full scope and negotiate fair payment.

Roof Damage

Roof damage from storms, hail, or wind? We document the full loss and push back on carrier underpayments.

Fire & Smoke

Fire or smoke damage to your home or business? We scope every affected area and fight for full restoration.

Mold Damage

Mold damage from a covered water loss? We document the connection and fight for full remediation coverage.

The process

From inspection to settlement.

Step 01

Free inspection & policy review

We visit your property, document all damage, and review your policy to understand exactly what you're owed, at zero cost to you.

Step 02

We build your claim

Our team prepares a comprehensive damage report with evidence, accurate repair estimates, and documentation built to withstand insurer pushback.

Step 03

Negotiate & maximize

We negotiate directly with your insurer on your behalf. We don't stop until you receive the full, fair settlement you deserve.

Client stories

Real reviews from the policyholders we represent.

  • Dayna is the absolute BEST! I was honestly so overwhelmed with my claim and I had no idea what was up and what was down all while they were tearing my house apart from water damage. Dayna took the reins and I was never more thankful. She was incredibly communicative through the whole process and advocated for me tirelessly to make sure that once everything is done, I was made whole again.
    Julia Sprankle
    Water damage claim · Google review, May 2026
  • I had an excellent experience working with Vanguard Solutions LLC. Andrew Pichardo was incredibly knowledgeable and assisted me through every step of the process. His expertise provided me with the peace of mind knowing that my claim was being handled to the best of its ability. I highly recommend their services to anyone looking for professional and thorough support.
    Joey Richardson
    Google review · July 2026
  • Andrew is very knowledgeable with over 10 years experience in the industry. He can help you get what you are owed for your losses. He does not make empty promises. He is honest and reliable. Highly recommended.
    Terry Wright
    Google review · January 2026
  • Cannot express how much I recommend Andrew and his team. I felt out of my depth talking about insurance, expecting huge buzz words to just be thrown my way, but all of my issues were explained, and taken care of in a way that was easy to understand, and made me feel like a priority.
    Tre Penna
    Google review · February 2026
  • We have worked with Vanguard Claims. They work hard to help their clients get what they deserve to repair their homes.
    Vaughan Yost
    Google review · February 2026
  • I highly recommend Andrew and Vanguard Claims Solutions! He is extremely knowledgeable and will fight for his clients!
    Mark Steinbrueck
    Google review · February 2026

4.6 ★ average from 9 verified reviews · Read them on Google

Charleston questions

Public adjuster Charleston FAQ

Nothing upfront. We work on contingency across our South Carolina service area, which means we're only paid from what we actually recover for you, and only after your carrier pays. If we don't recover, you don't pay.
Yes. A large part of our work is reopening denied, delayed, and underpaid claims. We re-scope the loss, rebuild the documentation, and submit a supplement or invoke the appraisal clause when the carrier won't pay fairly.
Hurricane and windstorm, water, roof, fire and smoke, and mold damage, plus commercial property and business-interruption losses for homeowners and businesses throughout the area.
Most inspections are scheduled within a couple of days, and we aim for a same-day callback. For active losses, we move fast so evidence is documented before it's lost.
No. Your carrier's adjuster represents the insurance company. As a licensed public adjuster, Vanguard represents only you, the policyholder, through every stage of the claim.
In South Carolina you generally have three years to file suit on a property insurance policy (S.C. Code Ann. § 15-3-530), but your policy's own notice and proof-of-loss deadlines are usually much shorter and control how quickly you must act. Because the deadline that matters is most often the one written into your policy, report and document your loss as early as you can; we'll review the specific deadlines that apply to your claim. This is general information, not legal advice.
Yes. South Carolina's public adjuster law (S.C. Code Ann. Title 38, Chapter 92) requires a written contract before any work begins and gives you the right to cancel that contract within five business days of signing. The fee for your claim is set out in that written agreement, which we review with you before you sign, and there are no upfront fees.
Carriers' first offers are often leaner than what a policy actually owes; roof, water, and storm claims in Charleston County are routinely scoped too narrowly. A complete, well-documented scope is what closes the gap between a lowball offer and a full settlement.
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No upfront fees · free inspection · office@vanguard-claims.net