Floyd's Roofing: What to Know Before You Call

Floyd's Roofing handles residential and commercial work across South Carolina

Floyd's Roofing is a South Carolina-based contractor that works on both residential homes and commercial buildings. The company handles roof repair, replacement, and maintenance—the core services most property owners need when they have damage, leaks, or aging shingles. They operate across multiple counties in the state, which means availability depends on your location.

Before calling any roofing contractor, you should understand what services they actually offer, how they price their work, and what the process looks like from first contact to completion. This guide walks you through what to expect when working with a roofing company and how to prepare for that conversation.

Key Takeaways

• Floyd's Roofing serves residential and commercial properties across South Carolina, but you should confirm they work in your specific county before scheduling.
• Most roofing projects start with an in-person inspection and written estimate, which should itemize materials, labor, and timeline.
• Roof repairs typically cost less than full replacement, but a contractor should inspect the entire roof to identify hidden damage before quoting.
• Insurance often covers storm damage and sudden leaks, so gather your policy details and any photos of damage before your first call.
• The roofing process usually takes one to three weeks from contract signing to completion, depending on weather and material availability.

What to prepare before contacting a roofing contractor

Have your address and a description of the problem ready. If you've noticed a leak, note where the water appears inside the house and whether it happens during rain or snow melt. If you're concerned about age, know roughly how old your roof is—most asphalt shingle roofs last 15 to 20 years. If there's visible damage from a storm, take photos from the ground and from inside your attic if you can safely access it.

Gather your homeowner's insurance policy if the damage might be covered. Insurance companies often require an estimate from a licensed contractor before they'll process a claim, so having that information ready speeds up the process. If you're calling about a leak that's actively dripping, mention that when you schedule—some contractors prioritize emergency calls differently than routine inspections.

How the inspection and estimate process works

A roofing contractor will schedule a time to visit your property and examine the roof in person. This inspection usually takes 30 minutes to an hour. The contractor will look at the condition of shingles, flashing, gutters, and the interior attic space to check for water damage or ventilation problems. They'll also assess whether the underlying structure can support a new roof or whether repairs to the decking are needed first.

After the inspection, you'll receive a written estimate. This should list the specific materials they plan to use (shingle type, brand, color), the square footage of the roof, labor costs, and the timeline for completion. A good estimate also notes whether they'll handle debris removal and what happens if they discover additional damage once work begins. Ask whether the estimate is binding or if the price might change during the job.

Repair versus replacement: what the difference means for cost and timeline

A roof repair addresses a specific problem—a few damaged shingles, a leak around a vent, or flashing that's come loose. Repairs are faster and cheaper than replacement, usually taking a day or two and costing anywhere from a few hundred to a couple thousand dollars depending on the scope. However, if your roof is already 15 or more years old, a contractor may recommend replacement instead, because patching an aging roof often leads to new problems within a year or two.

A full roof replacement removes the old roof down to the decking and installs new shingles, underlayment, and flashing. This takes longer—typically three to seven days depending on weather and roof size—and costs significantly more. The advantage is that you get a new warranty on materials and labor, and you won't face another major repair for many years. Some contractors offer financing options for replacement projects, so ask about payment plans if cost is a concern.

Understanding roofing materials and warranties

Asphalt shingles are the most common and affordable option in South Carolina. They come in different grades and colors, and the contractor's estimate should specify which type they're recommending. Metal roofing and architectural shingles cost more upfront but last longer and may lower your insurance premiums. Ask the contractor which materials they stock locally and which require ordering, because that affects how quickly the work can start.

Warranties come in two parts: the manufacturer's warranty on the shingles themselves, and the contractor's warranty on their labor. Manufacturer warranties typically cover 15 to 30 years depending on the shingle grade. The contractor's labor warranty is usually shorter—often five to ten years—and covers workmanship defects. Make sure your written contract spells out both warranties clearly, including what they cover and how long they last.

Insurance claims and what contractors need from you

If a storm damaged your roof, your homeowner's insurance may cover the repair or replacement. Contact your insurance company as soon as possible after the damage occurs. They'll either send an adjuster to inspect the roof or ask you to provide an estimate from a licensed contractor. Some insurance companies have preferred contractors they work with regularly, but you can usually choose your own.

When you file a claim, have your policy number ready and be prepared to describe the damage and when it occurred. The insurance company will determine what portion they'll cover based on your deductible and coverage limits. Once they approve the claim, they typically issue payment to you and the contractor jointly, which means both of you have to sign off before the contractor gets paid. This protects the insurance company but can slow down payment, so ask your contractor how they handle this process.

Timeline and scheduling considerations

From your first call to the start of work, expect at least a week if the contractor has availability. If they're busy or if materials need to be ordered, it could be two to three weeks. Once work begins, a repair usually finishes in one to two days. A full replacement typically takes three to seven days, though weather delays are common—rain stops most roofing work, and extreme heat can affect how shingles seal.

Ask the contractor for a specific start date and expected completion date in writing. Also ask what happens if weather delays the job—do they return the next clear day, or does the timeline shift? Confirm whether they'll work on weekends or only weekdays, and whether they'll handle cleanup the same day or return later. Clear expectations about timing prevent frustration once the work starts.

Questions to ask before you sign a contract

Beyond the estimate itself, ask whether the contractor is licensed and insured in South Carolina. Request references from recent jobs in your area—not just names, but permission to contact those homeowners. Ask what happens if they discover additional damage once they remove the old roof, and whether the price will change. Confirm that they'll pull any required permits and handle inspections, rather than leaving that to you.

Ask about their payment terms: do they want a deposit upfront, and if so, how much? Do they expect payment in full when the job is done, or do they accept installment payments? What's their policy if you're not satisfied with the work? A reputable contractor should be willing to answer all of these questions clearly and put the answers in writing.

Frequently Asked Questions

How do I know if I need a roof repair or a full replacement?

A contractor's inspection is the only reliable way to know. If your roof is under 10 years old and the damage is isolated to one area, repair is usually the right choice. If your roof is 15 or older, has multiple leaks, or shows widespread damage, replacement is often more cost-effective in the long run. The contractor's written estimate should explain their recommendation and why.

What if I can't afford a new roof right now?

A temporary repair can buy you time—a contractor can patch a leak or secure loose shingles to prevent water damage while you save. Some contractors offer financing for full replacements, and some insurance claims include coverage that reduces your out-of-pocket cost. Ask the contractor about payment options and whether they can prioritize the most urgent repairs first.

Do I need to be home while the roofing work happens?

You don't have to stay home the entire time, but being there for the initial inspection and final walkthrough is helpful. During the actual work, the contractor and their crew will be on your roof and in your attic, so you may want to secure pets and remove valuables from accessible areas. Ask the contractor what access they need and whether there are times when you should be home.

What should I do if I'm not happy with the finished work?

Address concerns with the contractor immediately, before you make final payment. Most contractors will return to fix workmanship issues under their labor warranty. If you can't resolve it directly, check whether your contract includes a dispute resolution process. Document any problems with photos and written notes, and keep all paperwork from the job.

How often should I have my roof inspected?

Most experts recommend a professional inspection every three to five years, or after any major storm. You can also do a visual check from the ground twice a year—spring and fall—to look for missing shingles, debris buildup in gutters, or visible damage. Regular inspections catch small problems before they become expensive leaks.