Will insurance pay for wind damage to roof?

Yes, but coastal South Carolina adds a wrinkle. Wind damage from a named storm (Helene, Idalia) triggers your named-storm deductible, not the standard all-other-perils one. That percentage runs 2 to 5 percent of your dwelling coverage. So on a $400,000 Myrtle Beach home, you're looking at $8,000 to $20,000 out of pocket before the carrier pays a dime. Plenty of Horry and Georgetown County homes carry a separate beach-plan policy through the South Carolina coastal wind insurer. On that plan, the deductible applies separately to dwelling and contents. File inside your policy's storm window, usually one year, and document everything before any repair touches the roof.