South Carolina Contractor Deposit Rules (2026): No Roofing Payment Until Day Five
South Carolina sets no general cap, but a contractor on an insurance-paid roof can't require any payment until the five-day cancellation period ends. From S.C. Code 40-59-25(C).
Not legal advice. General information from each state's statutes, checked Oct 20, 2026. Local rules and the facts of your contract can change the answer; for a specific contract, ask a lawyer licensed in your state.
Set the deposit
Every payment tied to a stage
The deposit and payment schedule in the Clamp app: a $1,000 deposit due when the customer signs, then every other payment tied to a stage of the job. $1,000 on this $17,699 bathroom is under every state's cap. Sample data.
What the law says
“shall not require any payments from an insured until the five-day cancellation period has expired”
The maximum deposit, worked
| Contract price | How it works out | Maximum deposit |
|---|---|---|
| $8,000 | Insurance-paid roofing: nothing can be required until the five-day cancellation period ends | $0 |
| $25,000 | Insurance-paid roofing: nothing can be required until the five-day cancellation period ends | $0 |
| $60,000 | Insurance-paid roofing: nothing can be required until the five-day cancellation period ends | $0 |
Who it covers
Covers
Licensed residential builders, registered residential specialty contractors, and anyone doing this work without the required license or registration.
Emergency work
Emergency services the insured acknowledges in writing as needed to prevent damage can be collected when they are rendered.
Deductibles
Rebating or paying the owner's insurance deductible is a misdemeanor and grounds for discipline.
South Carolina deposit questions
Can a South Carolina roofer ask for money before the insurance decision?
A roofer can't require any payment until five business days after a denial notice, except emergency work the owner acknowledges in writing.
Compare other states
How we checked
We read each state's statute or licensing rule on the official legislature or agency site and quote it as written. Where the official site would not load, the row says so and names the copy we read. A state stays "still being checked" until we have read the full rule; we never mark it "no cap" before then. Last checked .
This guide explains what the statutes say. It is not legal advice; for a specific contract, ask a lawyer licensed in your state.