Storm response active: after the July 21 hail and wind line across the Midlands and any home within 90 minutes of West Columbia we are booking free inspections within 48 hours. Call (803) 991-7663 for 24/7 emergency tarping.

Close-up of architectural asphalt shingles showing granule loss and exposed mat on a South Carolina roof during inspection

Maintenance · 7 min read

Roof Inspection Checklist for South Carolina Homeowners

You do not need to climb on your roof to know it is in trouble. Here is what a professional inspection covers, and the eight things any homeowner can check from the ground and the attic this weekend.

Published March 10, 2026 · Written by the Beaver Roofing estimating team

What can a homeowner check without getting on the roof?

Quick answer

From the ground you can check for missing or lifted shingles, dark patches of granule loss, sagging roof planes, damaged ridge caps, rusted flashing, granules collecting in gutters and at downspout outlets, and daylight or water stains visible in the attic. Never walk on the roof yourself.

Eight things to look at this weekend, with binoculars and a flashlight:

  1. Roof plane straightness. Sight along the ridge and eave. Waves or dips mean decking or framing problems.
  2. Missing, curled or lifted shingles. Especially on the west and south slopes, which take the worst SC sun.
  3. Dark patches. Areas noticeably darker than surrounding shingles usually mean granules are gone and asphalt is exposed.
  4. Ridge and hip caps. These fail first in wind. Cracked or missing caps are an open water path.
  5. Flashing and boots. Look at chimneys, vents and pipe penetrations for rust, gaps or a cracked rubber collar.
  6. Gutters. A pile of granules that looks like coarse sand means the roof is shedding its protective layer.
  7. Fascia and soffit. Soft, stained or peeling wood behind the gutter means water has been getting behind it.
  8. Attic. Flashlight on the underside of the deck — dark staining, rusted nail points, damp insulation, or daylight anywhere it should not be.

What does Beaver Roofing's 19-point inspection cover?

Quick answer

Beaver Roofing's free 19-point inspection documents shingle condition per slope, ridge and hip caps, all flashings, pipe boots, valleys, decking, attic ventilation, gutters and fascia, penetrations, and evidence of storm damage — with photographs of every slope and a written report you keep.

The 19 checkpoints in a Beaver Roofing inspection
#CheckpointWhy it matters
1–3Shingle condition, granule loss and pliability per slopeEstablishes remaining service life and storm vs. age damage
4Ridge and hip cap integrityFirst failure point in wind
5–6Valley construction and membrane presenceHighest-volume water path on the roof
7–8Step, wall and kick-out flashingLeading cause of hidden wall rot in the Midlands
9Chimney counterflashing and cricketCaulked counterflashing always fails
10Pipe boots and collarsRubber collars fail around year 10–12
11Vents, skylights and penetrationsEach one is a manufactured hole in your roof
12–13Decking condition and fasteningStructural soundness and nail-holding capacity
14–15Attic intake and exhaust ventilation, net free areaDirectly determines shingle lifespan in SC heat
16Attic moisture, staining and insulation conditionReveals active or historic leaks
17Gutters, downspouts, drainage and fasciaRoof water management and rot risk
18Soft-metal collateral damage surveyKey evidence for hail and wind claims
19Photo documentation of every slope and elevationYour record — and the adjuster's

What attic signs mean I have a roof leak?

Quick answer

In the attic, look for dark water staining on the underside of the decking, rust on nail points, compressed or damp insulation, mold on rafters, and daylight through the roof deck. Staining directly below a penetration usually indicates a failed boot or flashing rather than a whole-roof problem.

Attic diagnosis beats roof-surface guessing. Water travels — a stain on a bedroom ceiling can originate six feet uphill. Following the trail from the ceiling stain up the rafters to the highest point of wetness on the decking is how you find the actual entry point. Note also that not all attic moisture is a leak: in humid Midlands summers, poor ventilation causes condensation on the underside of the deck that looks exactly like one.

How often should a roof be inspected in South Carolina?

Quick answer

Have a South Carolina roof professionally inspected every two years, annually once it passes 15 years of age, and after any hail event or storm with winds above about 50 mph. Beaver Roofing's inspection is free, and there is no obligation attached to it.

Two more triggers: before buying a home (a general home inspector is not a roofer), and before your policy renews if your carrier has been asking about roof age. Documented maintenance and inspection records also strengthen a future storm claim, because they establish the roof's condition before the loss.

What should I do immediately after a storm?

Quick answer

After a Midlands storm: check the attic and ceilings for active water, photograph any debris or hail, note the date and time, and call a local roofer for a documented inspection. If water is entering, get an emergency tarp on it — Beaver Roofing tarps 24/7 at (803) 991-7663.

What not to do: do not sign anything a door-knocker hands you, especially an "authorization to inspect" that is actually a contingency contract assigning your claim. Do not let anyone on your roof who is not insured. And do not wait — South Carolina policies generally require prompt notice with roughly a one-year filing window for wind and hail. Read the full claim guide.

Written by a licensed contractor

Estimating Team, Beaver Roofing & Gutters

Our estimators handle insurance claims every day and are Xactimate and Symbility scope writers with experience on both sides of the claim file. The team writes and defends roof scopes under USAA, State Farm, Allstate, Liberty Mutual, Farmers, Nationwide and every major carrier writing in South Carolina, handles water mitigation and abatement scoping on storm-damaged Midlands homes, and can walk homeowners through the claim process every step of the way. Beaver Roofing & Gutters has been roofing the Midlands and any home within 90 minutes of West Columbia since 2011.

More about the Beaver crew · See how we handle insurance claims

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Free 19-point inspection

A professional estimator walks every slope, photographs what he finds, and gives you a written number. No cost, no obligation.

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Call (803) 991-7663


Written by an estimator

Our estimators are professional insurance claims estimators and Xactimate experts who write roofing scopes to USAA, State Farm, Allstate, Liberty Mutual, Farmers, Nationwide and every major carrier writing in South Carolina every week. Everything on this page reflects real Midlands claim files.

Free roof inspection


Credentials that matter

  • Xactimate and Symbility scope writers on staff
  • BBB A+ Accredited · Lexington Chamber member
  • 4.9 ★ from 440+ Google reviews
  • Owens Corning Platinum Preferred — one of only four in the Midlands
  • Lexington's Best Roofing Company — 2023, 2024 & 2025
  • Lexington's Best Gutter Installation — 2023 & 2024

Related questions

Is your roof inspection really free?

Yes — a full 19-point inspection with photos of every slope and a written report, at no cost and with no obligation. If your roof is fine, we will tell you it is fine. We would rather earn a customer for the next fifteen years.

Do you charge for a report I can give my insurance company?

No. Storm damage documentation, including the photo report and damage assessment, is part of the free inspection. If a claim moves forward we write the scope in Xactimate and work directly with your adjuster.

Should I get a roof inspection before buying a home in Columbia?

Absolutely. A general home inspector looks at a roof from the ground or a ladder for a few minutes. A roofer walks it, checks flashings and decking, and can tell you the remaining service life — which is a $15,000 to $25,000 question on a Midlands home purchase.

Will walking on my roof damage it?

An experienced roofer knows how to walk a roof safely. An older, brittle roof in July heat can be damaged by foot traffic, which is one reason we inspect early in the day when possible and never let homeowners climb up themselves.

Free inspection

Free 19-point roof inspection

Step 1 of 4

Reading about your roof is one thing. Having a professional estimator walk it is another — and it's free.

Talk to a person instead

Our office on Leaphart Road answers the phone Monday–Friday, 8am–5pm. After hours, the on-call estimator handles emergency tarping.

Call (803) 991-7663

Text us a photo


What happens next

  1. We call you back within one business hour.
  2. A real roofer walks the roof — 19 checkpoints, photos of every slope.
  3. You get a written estimate and, if it's storm damage, a claim-ready damage report.
  4. You decide. No high-pressure close, no same-day-only pricing.

No-pressure next step

Ready for a straight answer about your roof?

Free 19-point inspection, photo report the same day, and a written Xactimate-grade estimate you can hand to your insurance adjuster.

Why homeowners call us first

  • Our estimators handle insurance claims every day — we write in Xactimate, the same platform your carrier uses, and can walk you through the process every step of the way.
  • 4.9 ★ from 440+ Google reviews.
  • We meet your adjuster on the roof, file supplements, and handle the paperwork.
  • Local Lexington County crews — never subcontracted storm chasers.