Roofing Company Savannah provides storm and hurricane damage repair with full insurance-claim help for homeowners in Wilmington Island, 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 Wilmington Island 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 Wilmington Island
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 Wilmington Island 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 Wilmington Island.
A note on roofing on Wilmington Island
Wilmington Island is an affluent sea-island community east of Savannah, wrapped by the Wilmington and Turner Creek tidal rivers and marsh, with many waterfront and dock homes. Heavy salt air and flood-zone parcels make corrosion-resistant flashing and fasteners, and coastal-rated systems, essential here, and aluminum is often the smart metal choice this close to the water. As an unincorporated area, re-roof permits are issued by Chatham County Building Safety.
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.