How long after a storm can you make an insurance claim?

In South Carolina, most homeowner policies give you one to two years from the date of damage to file. Plenty of carriers tighten that to 180 days, and some require written notice within 30 days. The SC statute of limitations to sue on a denied claim is three years. After a named storm, the SC Department of Insurance issues bulletins extending deadlines. Check doi.sc.gov before assuming you're late. Call within 30 days with photos, a NOAA storm report for your zip, and a contractor inspection.