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Roofing questions, answered the way we’d answer a neighbor.

The questions Lowcountry homeowners and business owners ask us most — about cost, storms, materials, and how Ragsdale Roofing and Innovations works.

We’d rather you go into any roofing decision — with us or anyone else — knowing how this business actually works. If your question isn’t answered below, call (843) 489-8966 and ask a real roofer, free of charge.

Estimates & Cost

How does your free estimate work?

Call us or request an estimate online, and our Bluffton office will schedule a time that suits you. One of our own trained roofers — never a subcontractor — walks your roof, documents its condition with photos, and explains what they find in plain English. You then receive a written, itemized estimate covering materials, labor, timeline, and warranty. There’s no charge and no obligation, whether you hire us or not.

How much does a new roof cost in the Bluffton area?

It depends on square footage, pitch, complexity, and material — which is why we don’t quote prices over the phone. As a rule of thumb, architectural asphalt shingles are the most affordable system per square, metal typically runs meaningfully more up front but lasts far longer, and tile sits at the premium end. Most full replacements are five-figure projects; small repairs often run a few hundred dollars. The only number that matters is the itemized one we put in writing after seeing your actual roof.

Do you really offer 0% financing?

Yes. Qualified homeowners can finance a new roof at 0% interest and spread the cost into predictable monthly payments instead of one large check. PreQualifying takes a few minutes, doesn’t obligate you to anything, and we’ll present financed and cash numbers side by side. Get PreQualified here.

Repairs & Emergencies

How fast can you respond to a roofing emergency?

Our emergency line, (843) 489-8966, is answered 24/7, and in the Bluffton–Hilton Head area we can typically get a protective tarp on a storm-damaged roof the same day — often the same night. Stopping active water intrusion first protects your home and strengthens any insurance claim; the permanent repair follows as soon as materials and weather allow.

Will you help with my insurance claim?

Yes. We document storm damage with the photos and written findings adjusters expect, meet the adjuster on site if you’d like, and make sure the scope of the claim reflects what your roof actually needs. We won’t inflate a claim — and we won’t let a legitimate one get lowballed for lack of documentation, either.

Should I repair my roof or replace it?

Our honest rule: if a repair will genuinely buy your roof years of reliable life, we recommend the repair — even though a replacement pays us more. Replacement makes sense when damage is widespread, when the roof is near the end of its service life, or when you’re paying for repeated repairs that no longer add up. We’ll show you the evidence from your own roof and give you a straight recommendation either way. Read more on our repair and replacement pages.

What are the black streaks on my shingles?

Almost always algae — a common cosmetic issue in our humid coastal climate, not dirt or rot. It won’t destroy a roof quickly, but it can shorten shingle life over time and it certainly ages a home’s appearance. Avoid pressure washing, which strips protective granules. Soft washing handles existing streaks, and algae-resistant shingles or zinc strips prevent their return; we can advise on both during a maintenance visit.

Replacement & Materials

How long do asphalt, metal, and tile roofs last in coastal South Carolina?

Salt air, humidity, and heat cycling age roofs faster here than inland, but with proper installation and maintenance you can expect roughly 25–30 years from architectural asphalt shingles, 40–50 from a quality metal system, and 50 or more from concrete or clay tile on a structure engineered to carry it. Ventilation and upkeep matter as much as the material — a neglected premium roof can fail before a well-kept budget one.

How should I get my roof ready for hurricane season?

Before June, have the roof inspected for loose or lifted shingles, aging sealant, and weak flashing; clear gutters and trim back overhanging limbs — live oaks and pines are the Lowcountry’s most prolific roof-breakers. If your roof is nearing replacement age, doing the work before storm season means modern high-wind fastening and sealed-deck options go on in calm weather, not in the post-storm scramble. Our maintenance inspections are built around exactly this.

How long does a roof replacement take?

Most single-family homes are torn off and re-roofed in one to three days once materials are on site, weather permitting. Larger homes, tile systems, and structural repairs can extend that. Because our crews are in-house, we control the schedule directly — when we give you a start date, it isn’t contingent on some other company’s availability.

Commercial

Do you work on commercial buildings?

Yes — repair, replacement, installation, and maintenance for flat and low-slope commercial roofs across the Lowcountry, from retail centers to offices and light industrial buildings. We schedule around your business hours and stage work so you can keep operating. Start at our commercial roofing page.

What does a commercial maintenance program include?

Scheduled inspections — typically twice a year plus after major storms — with photo reports, drain and seam checks, minor repairs caught early, and a documented condition history for each roof. For property managers, that means predictable budgets and no surprise capital expense; deferred commercial roof problems are exponentially more expensive than maintained ones.

Working With Us

Do you use subcontractors?

No — and this is the core of how Ragsdale Roofing and Innovations has operated since 2014. Every estimator, project manager, and installer on your property is our own employee, hired and trained by us. One company is accountable for your roof from first handshake to final magnetic nail sweep. Meet the team here.

Are you licensed, bonded, and insured?

Yes. We’re licensed and bonded in both South Carolina and Georgia, we carry general liability and workers’ compensation insurance, and we hold an A+ rating with the Better Business Bureau. We’re happy to provide current documentation with your estimate — and we’d encourage you to ask the same of any contractor who bids your roof.

What areas do you serve?

From our home base in Bluffton we serve Hilton Head Island, Okatie, Sun City, Hardeeville, and Beaufort in South Carolina, plus the greater Savannah area and Meldrim in Georgia. See the full list on our service areas page — and if you’re near the edge of the map, call and ask.

What warranties come with your work?

Two layers: the manufacturer’s warranty on materials, and our own workmanship warranty on the installation. Terms vary by product and project, so we put both in writing with every estimate rather than quoting one-size-fits-all numbers here. Because we install to manufacturer spec with trained in-house crews, the material warranties we register actually hold up when you need them.

Still have a question?

Roofs rarely follow the script, and neither do the questions they raise. Send us a message, give our Bluffton office a ring, or browse the Ragsdale Roofing blog for deeper dives on Lowcountry roofing — from spotting early damage to choosing between shingle, metal, and tile.

Free Estimates · 24/7 Emergency Help

The fastest answer is the one from your own roof.

General answers only go so far — your roof has specifics. A free estimate from Ragsdale Roofing and Innovations gets you photos, findings, and an itemized price with no pressure attached.

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