When your property is damaged, the insurance process can be confusing, time-sensitive, and stressful. Lightman & Fields represents South Carolina homeowners and businesses with detailed claim documentation and strong negotiation—working to make sure your settlement reflects the true scope of your loss.
South Carolina property claims range from hurricane and tropical-storm damage along the coast to wind, fallen-tree, and flood damage in the Midlands and Upstate. Our team understands how these claims are handled and helps policyholders navigate the policy language, deadlines, and documentation requirements that can impact coverage and payout.
Whether you're dealing with hurricane or storm damage, water intrusion, fire/smoke damage, theft, or a large-loss catastrophe, we focus on building a clear, evidence-based claim presentation—so nothing important is missed and you're not left trying to negotiate alone.
After a loss, it's common for policyholders to run into challenges like:
A licensed public adjuster works for you—not the insurance company. We help document the damage, prepare an itemized scope and estimate, organize supporting evidence, and communicate directly with the carrier to pursue a fair settlement.
With Lightman & Fields, you get:
Lightman & Fields provides claims support across South Carolina statewide, including:
A public adjuster represents the policyholder (you), not the insurance company. We inspect and document the damage, prepare a detailed claim package, support the value of repairs/replacement, and negotiate with the carrier to pursue a fair settlement.
Yes. South Carolina requires public adjusters to be licensed through the South Carolina Department of Insurance and to carry a surety bond or letter of credit. Lightman & Fields is licensed to represent policyholders in South Carolina.
Ideally, call as early as possible. Early involvement helps protect evidence, avoid missed damage, and keep the claim organized from the start. If you already filed, we can still help—especially if the claim is delayed, underpaid, or denied.
We help homeowners and businesses with many types of losses, including hurricane and tropical-storm damage, wind damage, water damage (including leaks and burst pipes), fallen-tree damage, fire/smoke/soot damage, theft/vandalism, and other large-loss or complex property claims.
Common reasons include rushed inspections, incomplete scopes of repair, missed hidden damage (like water intrusion), disagreements over pricing, heavy claim volume after major storms, and strict documentation requirements or deadlines.
Yes. If your claim was denied, we can review the carrier’s decision, identify what may be missing or unsupported, and help you pursue the coverage you paid for.
Often, yes—especially if additional damage is discovered or the estimate doesn’t reflect what it truly takes to repair. The best next step is a review of your documents and the current condition of the property.
Yes. We represent both residential and commercial policyholders in South Carolina, including homeowners, landlords, property managers, and business owners.
Yes. Under South Carolina law, you can cancel (rescind) a public adjuster contract in writing within five business days after signing it. If you do, anything of value you gave under the contract must be returned within fifteen business days.
We serve clients statewide in South Carolina, including Charleston, Columbia, Greenville, Myrtle Beach, Hilton Head Island, Rock Hill, Spartanburg, and surrounding communities.
If it’s safe: prevent further damage (temporary measures), take photos/video, keep receipts, and avoid throwing away damaged materials until they’re documented. Then call us so we can help you plan next steps and protect the claim.
Call (561) 627-3089 to request a consultation. We’ll ask a few questions about the loss, review what’s been done so far, and explain the best next steps.
If your home or business has property damage and you need help with the insurance claim, call Lightman & Fields. We’ll review what happened, explain next steps, and help you protect your claim from the start.
