“The company called our fence damage old. Farrah asked for the inspection report, and the amount changed.”
Joyce T.Homeowner, Socastee
Insurance claims, Myrtle Beach
Denied, delayed or paid short? Start with four lines.
Tell us who the insurer is and where the claim stands. Farrah Caldecott reads it herself and calls you back to say whether it is worth pushing. The office works for policyholders, never for insurers.
- Free call backTen minutes, no obligation
- No fee until you recoverHow fees and costs work
- Text works tooMon–Fri 8:30am–5:30pm
- Policyholders onlyNever for the insurer
On a contingency fee there is no fee unless money is recovered. Case costs, such as filing fees, inspections and expert reports, are separate, and the written agreement says whether you owe them if nothing is recovered.
Rather write it down?
Tell the story in your own words
What was damaged, which company holds the policy, what the letter said and when it arrived. Every message is read by Farrah, and she answers by phone or email.
Or reach the office
Call or text (843) 555-0127
Mon–Fri 8:30am–5:30pm
1021 Oak Street, Suite 3, Myrtle Beach, SC 29577
Claims we take
Where a claim goes wrong
The loss is real, the policy was in force, and the insurer's answer does not add up. That is where the work starts.
Denied outright
The letter says wear and tear, late notice or not covered. We hold each reason up against the policy and the damage.
Denied and underpaid claims
Storm damage
A policy treats wind, driven rain and rising water differently, and insurers lean on the split. Homes, condos and rentals near the water.
Storm damage claims
Slow or short
Months of silence, a number with no reason behind it, a new adjuster on every call. Past a point, that is its own problem.
Delay and bad faith
From clients
What they said afterwards
“Two months of nothing from the adjuster on our unit. One letter from her office and I had a date and a number.”
Effie M.Condo owner, Surfside Beach
“She told me which part of the claim was worth the trouble and which was not. I appreciated that more than a sales pitch.”
Lavonne H.Rental owner, Conway
Comments from past clients. Every claim turns on its own policy and facts, so what happened in theirs does not predict what will happen in yours.
Before you call
Answers before you dial
Do I need a lawyer, or just a better estimate?
Sometimes a contractor's estimate is all it takes, and we will tell you if that is the case. When the insurer disputes coverage and not only price, someone has to read the policy against the law, and an estimate cannot do that.
Can I start repairs while we disagree?
Protect the property from more damage and keep every receipt. Photograph everything first, and keep damaged material until it has been documented.
The adjuster asked for a recorded statement. Must I give one?
Your policy may require some cooperation, and you can ask the insurer what it requires in writing. Call before you agree to a recorded statement, because it is easy to get wrong and hard to take back.
How long do I have?
Policies and the law set dates for reporting a loss, sending proof and filing suit, and some are a year or less. Bring the full policy to the first call and we will find yours.
How are you paid?
Most claims are taken on contingency, with no fee unless money is recovered. Case costs, such as filing fees, inspections and expert reports, are separate, and the written agreement says whether you owe them if nothing is recovered.