Litchfield by the Sea South Carolina Public Insurance Adjusters
Attention SC businesses and residents affected by recent hurricane and tropical storm damage and flooding — please call 843-620-0002 for help with your insurance claims.
Make us your first call!
We serve the following areas in the Litchfield by the Sea SC area:
Cambridge Condominiums
Warwick Building
Sandpiper Run / The Crescent
Fordham Building
Hamilton Condos
Shipyard Village A & B
Captain's Quarters
Bridgewater Resort
Summerhouse Condos
Seaside Inn
Breakers Reef
Whitney Parish Building
Paget at Somerset
Pelican Watch
Lakeside Villas
Avian Forest
Oyster Catcher Condos
Heron Marsh
The Reserve at Litchfield
River Club Golf Community
Tradition Golf Community
Litchfield Plantation
Willbrook Plantation
North Litchfield Area
For other areas not listed, please call!
Global Patriot Adjusters is a company built to complete the single goal of making sure every dollar deserved to clients from an insurance claim, is given to them. We maintain the best reputation in the public adjuster business because we take every claim for every client as a project with personal ownership and accountability.
Specializing in hurricane damage, flood, storm surge, and wind damage insurance claims — we can help.
Please call Marc Lancaric at 843-620-0002 with any questions about our South Carolina insurance adjusting services.
For a FREE CLAIMS EVALUATION for your home, condominium, or business, please describe your insurance claim situation when contacting us.
“My team is here to help you get the most money for your insurance claims. We work for you!”
— Marc Lancaric
Global Patriot Adjusters, LLC
Marc Lancaric, President / Public Insurance Adjuster, Hurricane Claims Expert
When Filing a Resort Property Damage Claim in Litchfield by the Sea, SC
Filing a resort property damage claim in Litchfield by the Sea requires specialized knowledge of the unique challenges facing luxury oceanfront condominiums and resort communities. Located in the prestigious Pawleys Island area, Litchfield by the Sea properties face distinct exposure to coastal storms, complex HOA considerations, and high-value property requirements. Here are essential strategies for maximizing your resort property claim:
Document All Hurricane and Storm Damage: Litchfield by the Sea's oceanfront condominiums - from Cambridge and Warwick to Sandpiper Run and Breakers Reef - face direct Atlantic exposure. Document wind damage to balconies, sliding glass doors, and exterior walls. Capture storm surge damage, flooding in ground-level units, and water infiltration affecting electronics, furnishings, and finishes. Don't forget damage to common areas, pools, boardwalks, and elevators that may impact your unit's value and rental potential.
Understand Resort Property Insurance Complexities: LBTS condominium owners typically have both individual unit coverage and master association policies. Review your HO-6 policy carefully, understanding what's covered by your personal policy versus the association's master policy. Key areas include interior improvements, loss of use/rental income, and coverage for high-end finishes common in luxury resort properties.
Address Rental Income Loss: Many Litchfield by the Sea properties serve as vacation rentals generating substantial income. Document your rental history, booking calendars, and lost income due to storm damage. Include costs for notifying guests, rebooking, and reputation management if your property becomes unavailable during peak rental seasons.
Navigate HOA and Common Area Issues: Resort communities like LBTS have complex relationships between individual unit owners and the master association. Storm damage affecting shared amenities (pools, tennis courts, beach access, elevators) can impact your property's rental appeal and value. Ensure your claim accounts for diminished property value and rental potential during common area repairs.
Account for Luxury Property Standards: LBTS properties often feature high-end appliances, custom cabinetry, granite countertops, and premium flooring. Insurance companies may try to depreciate these to basic builder-grade materials. Document the original quality and specifications to ensure like-kind replacement of luxury finishes.
Consider Salt Air and Coastal Environment Factors: Coastal properties face accelerated deterioration from salt air exposure. Insurance companies may attribute damage to "normal coastal weathering" rather than storm events. Be prepared to demonstrate that damage resulted from the specific covered peril, not gradual environmental exposure.
Plan for Extended Displacement: Luxury resort properties often require specialized contractors and materials, leading to longer repair timelines. Document additional living expenses if you cannot use your property, including alternative vacation rental costs and storage for personal belongings.
Working with a public adjuster experienced in Litchfield by the Sea's luxury resort market ensures you receive appropriate compensation reflecting the true value and income potential of your oceanfront investment property.
About Litchfield by the Sea, South Carolina
Litchfield by the Sea is a premier gated oceanfront resort community located in Pawleys Island, South Carolina, within Georgetown County. Established in 1978 by The Litchfield Company, this exclusive 4,000-acre resort has become one of the most sought-after residential and vacation destinations in the Southeast.
The community is strategically positioned on the South Carolina coast, bordered by Huntington Beach State Park and Atalaya Castle to the north, the Atlantic Ocean to the east, and Hobcaw Barony (one of South Carolina's oldest plantations) to the south. This prime location provides three miles of pristine private beach and is just minutes from world-renowned Brookgreen Gardens sculpture park.
Litchfield by the Sea encompasses diverse residential options including luxury oceanfront condominiums (Cambridge, Warwick, Sandpiper Run, Fordham, Hamilton), vacation villas, and custom homes. The resort features multiple championship golf courses, tennis and pickleball courts, swimming pools, fitness facilities, miles of walking and biking trails, saltwater fishing lakes, and a private beach club.
The community is part of the broader Litchfield Beach area, which includes a census-designated place with a population of 8,370 as of the 2020 census. The area originally developed from rice plantation land and has evolved into a sophisticated coastal destination that maintains its natural Low Country character through careful environmental stewardship.
Property values in Litchfield by the Sea range from $450,000 to over $3 million for homes, with condominiums and townhomes priced from $125,000 to $1 million, depending on size, location, oceanfront access, and proximity to amenities. The community attracts both full-time residents and vacation property owners who appreciate the combination of luxury amenities and pristine coastal environment.
Source: The Litchfield Company, Wikipedia & US Census Bureau
Tips for Working with a Public Insurance Adjuster in Litchfield by the Sea, SC
Research and Choose Wisely: Select adjusters with luxury resort property experience and positive reviews in the Litchfield by the Sea community
Understand Their Role: Your adjuster works for you, not the insurance company, to maximize your settlement
Provide Comprehensive Documentation: Supply photos, receipts, repair estimates, rental records, and all correspondence
Communicate Clearly: Maintain open communication and ask questions throughout the process
Be Patient: Resort property claims take time - trust your adjuster to secure the best outcome
