Public Adjusters in South Carolina

• Thoroughly document property damage and prepare estimates.
• Submit detailed claim documentation to your insurer.
• Communicate and negotiate with the insurance company on your behalf.

• Hurricane, coastal storm surge, and severe wind damage
• Hail and roof replacement disputes
• Large-loss commercial and residential fire, smoke, and water intrusion claims
• Claims where the insurer’s initial payout offer is insufficient to cover full repairs

In South Carolina, public adjusters work on a contingency fee basis, meaning there are no upfront or out-of-pocket costs. Under South Carolina Law (S.C. Code § 38-48), our fee is calculated as a percentage of the financial recovery we obtain for your claim. If we do not recover additional money from your insurer, you owe us nothing.

What this means for you:
Noble’s financial interest is directly aligned with yours: we only get paid when we successfully increase your claim settlement payout.

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• Insurance Company Adjuster (or Independent Adjuster): Employed or hired directly by the insurance carrier to evaluate damage on the insurer’s behalf and protect the carrier’s financial bottom line.
• Licensed Public Adjuster: Licensed by the South Carolina Department of Insurance to represent you, the policyholder. A public adjuster evaluates the full scope of damage, prepares estimates, and negotiates directly with the insurer to maximize your payout.

Yes. You can retain a public adjuster even if your insurance company has already issued a partial payment, denied coverage, or closed your claim file. In South Carolina, property owners generally have up to three years under S.C. Code § 15-3-530 to address claim discrepancies, provided a legal release has not been signed.

Noble can reopen your claim, prepare a comprehensive line-item estimate for overlooked physical loss, and present a supplemental claim to your insurer.

• If proof-of-loss forms are required, the insurer must supply them to the policyholder within 20 days (S.C. Code § 38-59-10).
• If an insurer unreasonably delays or refuses to pay a valid claim in bad faith without reasonable cause, they face statutory penalties and bad-faith liability under South Carolina law (§ 38-59-40).