Roofing Company Savannah provides storm and hurricane damage repair with full insurance-claim help for homeowners in Savannah, Chatham County, Georgia. We are based right here in Savannah, so we know what the Lowcountry does to a roof, and we respond fast. Free, honest inspections with no sales pressure, and real help when a storm or an insurance claim is involved.
Savannah knows storms
Atlantic hurricane season runs June 1 through November 30, and the coast is most active from mid-August through the statistical peak around September 10. The last decade has reminded us what that means: Hurricane Matthew in 2016 brought 85 to 95 mph gusts that toppled live oaks and put trees through roofs across Chatham County; Hurricane Irma in 2017 knocked out power to tens of thousands of Chatham homes and flooded parts of the city; and Tropical Storm Debby in 2024 dumped roughly ten inches of rain in a single event. Even the near-misses, like Dorian and Ian, still delivered tropical-storm-force wind and widespread outages. The two threats to your roof here are clear: wind and falling limbs, and wind-driven rain.
What storm and wind damage looks like
- Missing or lifted shingles, usually along the edges, ridge and storm-facing slope.
- Bruised shingles and lost granules from wind-driven debris, often not visible from the ground.
- Dented or torn flashing, vents and gutters.
- Tree and limb strikes, the top cause of severe roof damage under Savannah's oak canopy.
- Leaks and interior water spots that show up days later, once wind-driven rain has found its way in.
How storm insurance really works on the coast
Two things surprise Savannah homeowners most. First, coastal Georgia policies usually carry a separate named-storm or hurricane deductible written as a percentage of your dwelling coverage, often 1 to 5 percent, not a flat dollar amount. On a $300,000 home a 2 percent deductible is $6,000 out of pocket before coverage even starts, so it pays to read your declarations page before a storm, not after. Second, whether you carry replacement cost (RCV) or actual cash value (ACV) coverage changes everything: RCV pays for a new roof minus your deductible, while ACV subtracts depreciation for the age of the roof, which on an older asphalt roof can be most of the payout. We inspect for free, document the damage the way an adjuster needs it, meet your adjuster on the roof, and file supplements for anything that gets missed.
Insurance details are general and vary by policy; check your own declarations page or ask us to walk through it with you.
How we handle your claim in Savannah
We start with a free inspection and honest, photo documentation. If there is real damage we meet your adjuster on the roof, walk the scope, and handle the repair or replacement, working with all major carriers. Many Savannah-area homeowners have had a covered claim pay for the full job, new decking and upgraded shingles included, minus their deductible. Filing a legitimate weather claim generally will not get your policy cancelled in Georgia, though a rate change at renewal is always possible.
Emergency response
Tree through the roof or an active leak after a storm? We can tarp the roof to stop interior damage while the claim and permanent repair get scheduled. Call us and we will move fast.
Why Savannah homeowners choose us
- Storm, hurricane and insurance-claim specialists. We document damage the way adjusters need it and meet them on the roof.
- Free, no-pressure roof inspections. If you do not need the work, we will tell you.
- Licensed and insured local roofing crews serving the Savannah area.
- Built for the coast. Corrosion-resistant fasteners and flashing, high-wind shingles, sealed decking and balanced ventilation.
- Local and responsive. We answer the phone and show up when we say we will.
Ready when you are. Call (912) 205-3013 or book a free inspection in Savannah.
A storm game plan for Savannah homeowners
When a system is headed for the coast, a little preparation protects both your home and your ability to file a clean claim:
- Before: photograph your roof and home now, while it is intact, and find your policy's wind or named-storm deductible on the declarations page so it is not a surprise.
- During: stay off the roof. Note the date and time of the storm.
- After: document everything from the ground with photos and dates, make temporary repairs (or let us tarp) to prevent further damage, and keep receipts.
- Then: get a free professional inspection before you call it in, so the claim is filed with real documentation. We meet your adjuster on the roof and file supplements for anything missed.
Coastal Georgia has seen this play out repeatedly, from Matthew's tree strikes in 2016 to Debby's ten inches of rain in 2024. Homeowners who documented correctly the first time are the ones whose insurance covered the full job.
Roofing in Savannah, from the Landmark District to the southside
Savannah is Georgia's oldest city and the Chatham County seat, about 18 miles up the river from the Atlantic, and roofing here splits sharply. Downtown, the National Historic Landmark District protects historic homes: exterior roof work needs a Certificate of Appropriateness from the city's historic review board before a permit, and the original roof configuration and material are expected to be kept or matched. Out in midtown and the southside, it is mile after mile of architectural-shingle homes. What ties it all together is the live-oak canopy, gorgeous, and brutal on roofs, dropping constant leaf and limb debris and keeping slopes shaded and damp enough to grow algae and moss.
Common questions
Does a roof insurance claim raise my rates in Georgia?
Filing a legitimate storm, wind or hurricane claim generally will not get your policy cancelled in Georgia, because that damage is treated as an act of nature. A rate change at renewal is always possible, and multiple claims in a short window can affect renewability, so we help you document and file a single claim correctly.
What is a hurricane or named-storm deductible?
Coastal Georgia policies usually carry a separate wind or named-storm deductible written as a percentage of your dwelling coverage, commonly 1 to 5 percent, instead of a flat dollar amount. On a $300,000 home a 2 percent deductible is $6,000 out of pocket. Check your declarations page so it is not a surprise after a storm.
Will insurance cover my whole roof after a hurricane?
Often, yes, when the damage is documented correctly and you carry replacement-cost (RCV) coverage. Many Savannah-area homeowners have had insurance cover the full replacement, new decking and upgraded shingles included, minus their deductible. Actual-cash-value (ACV) policies pay less because they subtract depreciation for the roof's age.
When is hurricane season in Savannah?
Atlantic hurricane season runs June 1 through November 30, and coastal Georgia is most active from mid-August through the statistical peak around September 10. It is the window to have your roof inspection and documentation squared away in advance.