Protect Your Investment with Insurance-Compliant Sheds
Don’t Risk Insurance Claim Denials – Choose Certified, Compliant Structures
With insurance companies increasingly requiring compliance certifications for shed coverage, it’s critical to ensure your building meets all requirements. Cool Sheds offers fully certified, insurance-approved structures built to exceed South Carolina’s strict coastal standards.
Understanding Wind and Earthquake Ratings
Learn about the specific certifications and ratings that protect your shed investment and ensure insurance coverage
Why Insurance Compliance Matters
Avoid Claim Denials
Insurance companies are now requiring proper certifications before covering shed damage. Without the right paperwork, your claim could be denied, leaving you to pay for repairs or replacement out of pocket.
Peace of Mind During Storms
South Carolina’s coastal location means hurricanes, high winds, and seismic activity are real threats. Properly rated sheds protect both your belongings and your financial investment.
Required Documentation
Insurance companies now ask for:
- Wind load certifications
- Seismic ratings
- Engineering specifications
- Compliance documentation
Cool Sheds provides all necessary paperwork with every purchase.
South Carolina Requirements by Region
Coastal Areas (Charleston, Beaufort, Berkeley, Dorchester Counties)
Wind Load Requirements:
- Minimum: 135 mph wind resistance (Charleston standard)
- Cool Sheds Standard: 160 mph – exceeding local requirements
- Hurricane impact considerations
- Coastal exposure factors
Seismic Requirements:
- All coastal sheds must meet seismic certifications
- Earthquake resistance ratings required
- Ground acceleration specifications
- Foundation anchoring standards
Inland Areas
Wind Load Requirements:
- Lower wind speed requirements (typically 90-110 mph)
- Still require proper certification
- Storm resistance standards apply
Seismic Considerations:
- Reduced seismic requirements
- Basic earthquake resistance still recommended
Cool Sheds Compliance Standards
Wind Resistance
- 160 mph wind rating – exceeding all SC requirements
- Engineered for hurricane-force winds
- Reinforced construction techniques
- Impact-resistant materials
Seismic Certification
- Full seismic ratings for all coastal installations
- Earthquake-resistant design
- Proper foundation specifications
- Professional installation standards
Documentation Provided
- Complete wind load certifications
- Seismic rating documentation
- Engineering specifications
- Insurance compliance paperwork
Getting Your Compliance Documentation
New Purchases
All compliance paperwork is included with your shed purchase:
- Wind load certificates
- Seismic ratings
- Engineering specifications
- Installation documentation
Existing Cool Sheds Owners
Already own a Cool Shed and need your paperwork? Call (843) 832-8555 – we’ll provide your compliance documentation at no charge.
What to Provide Your Insurance Company
- Wind rating certificate (160 mph)
- Seismic compliance documentation
- Professional installation verification
- Foundation and anchoring specifications
Frequently Asked Questions
Will my insurance cover my shed?
With proper compliance documentation from Cool Sheds, yes. We provide all certifications insurance companies require for coverage approval.
What happens if my shed isn’t compliant?
Insurance companies may deny coverage or claims for non-compliant structures. This could leave you paying thousands out of pocket for storm damage.
Do all areas of South Carolina require the same ratings?
No. Coastal areas like Charleston have stricter requirements (135+ mph) due to hurricane exposure. Inland areas typically have lower requirements, but certification is still important.
Can I upgrade an existing shed to be compliant?
It depends on the current structure. Contact us at (843) 832-8555 to discuss your specific situation and options.
How do I know if my current shed is compliant?
Check with your shed provider for compliance documentation. If unavailable, your shed likely doesn’t meet current insurance requirements.
What’s the cost difference for compliant vs. non-compliant sheds?
Cool Sheds builds all structures to exceed compliance standards at no additional cost. The value comes in protected insurance coverage and peace of mind.
Insurance Company Requirements
What Insurance Companies Are Asking For:
Before Coverage:
- Proof of wind rating compliance
- Seismic certification (coastal areas)
- Professional installation verification
- Foundation specifications
After Storm Damage:
- Original compliance documentation
- Installation records
- Maintenance history
- Professional assessment
Common Claim Denial Reasons:
- No wind rating documentation
- Insufficient wind resistance for area
- Missing seismic certifications
- Improper installation or foundation
Protect Your Investment Today
New Shed Buyers
Choose Cool Sheds for automatic compliance with all South Carolina requirements:
- 160 mph wind ratings (exceeding all local requirements)
- Full seismic certifications
- Complete documentation package
- Professional installation included
Current Shed Owners
Need your compliance paperwork? Call (843) 832-8555. We maintain records for all Cool Sheds customers and can provide documentation for insurance purposes.
Planning Ahead
Review your homeowner’s insurance policy and discuss shed coverage requirements with your agent. Having proper documentation before you need it saves time and prevents claim complications.
Contact Cool Sheds for Compliance Support
Get the right shed with the right certifications from the start.
📞 Call (843) 832-8555
📍 Visit our Summerville showroom
🌐 Request a quote online
Serving Charleston, Summerville, and coastal South Carolina with fully compliant, insurance-approved sheds since 2010.
Don’t risk your investment – choose the shed company that provides complete compliance documentation and peace of mind.
