Is it smart to submit an insurance claim for your roof?

Yes for named-storm, wind, or hail damage in the Myrtle Beach area; no for wear and tear on an aging shingle roof. A single legitimate claim rarely moves your premium. For a 22-year-old shingle roof leaking from salt-air granule loss, the claim gets denied. The inquiry still hits your CLUE report, the insurance claim history database that follows your house. Coastal SC policies through the South Carolina coastal wind insurer carry separate named-storm deductibles, usually 2% to 5% of dwelling value. On a $400,000 Pawleys Island home at 5%, that's $20,000 out of pocket before the carrier pays. File when damage clears your deductible by a meaningful margin.