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Understanding the Roofing Insurance Claim Process in Savannah

A step-by-step guide to navigating roofing insurance claims locally.
Understanding the roofing insurance claim process in Savannah can seem daunting, but with the right guidance and steps, you can navigate it smoothly. At Seaport Roofing, we've helped numerous homeowners in Savannah and the surrounding areas through this process, ensuring they get the coverage they deserve without unnecessary stress.
Here’s a step-by-step guide to navigating roofing insurance claims in Coastal Georgia:
1. Prioritize Safety: Always ensure your family's safety first. Assess the damage only after the storm has completely subsided. Climbing on your roof during or immediately after a storm can be dangerous.
2. Document Damage: Take clear photos of any damage from the ground if possible. This documentation is crucial for your claim. Contact a local and reliable contractor like Seaport Roofing to assess the damage and take preventative measures, such as tarping, to protect your property. Insurance usually covers these initial emergency steps.
3. Understand Your Policy: Review your insurance policy to know your deductible and whether you have a Replacement Cost Value (RCV) or Actual Cash Value (ACV) policy. Knowing this helps you understand if the cost of repairs or replacement exceeds your deductible, making it beneficial to file a claim. If your home is mortgaged, remember that your mortgage holder may also need to endorse the insurance check.
4. File a Claim and Schedule an Inspection: After filing your claim, your insurance will set a date for an on-site inspection. It can be beneficial to have your contractor present during this inspection to ensure all damage is properly noted. You should know that you have two years to file a claim from the date of the incident, a fact often overlooked.
5. Post-Inspection Process: Once the inspection is complete, the inspector will submit their findings to an underwriter for further evaluation. If your claim is initially denied, you have the right to appeal and request a re-inspection.
6. Handling Estimates: Contrary to what you might be advised, you don’t need to gather multiple contractor estimates since insurance companies use pre-set rates determined by regional pricing software. Request an itemized estimate from your insurer and have your contractor review it to ensure it covers all necessary repairs or replacements.
7. Finalize Your Claim and Begin Repairs: Select your roofing contractor and confirm the list of line items for repairs or replacement. Depending on your policy, you might receive a partial payment upfront; the remainder will be released after the work completes. For ACV policies, recoverable depreciation applies, meaning you’ll claim these funds post-completion with proof like an invoice or certificate of completion.
Seaport Roofing's Experience:
At Seaport Roofing, we are familiar with all aspects of the insurance process and work closely with homeowners to ensure a seamless experience. From documenting damage to finalizing claim details and conducting repairs or replacements, we handle each step with professionalism and care. If you're in Savannah or the surrounding areas and facing roofing issues due to weather or other causes, don't hesitate to contact us. We’ll help you navigate the insurance claims process and restore your roof to its optimal condition.
For more detailed guidance or to start your claim process with expert help, contact Seaport Roofing today. We’re here to ensure your roof protects your home for years to come.

Kyle Conaway

Owner of Seaport Roofing
Kyle Conway, owner of Seaport Roofing in Savannah GA

Our Reviews

We have a 5-Star Rating on Google!

Kyle and his team did an incredible job. They were very thorough and informative about what they would do and were quick to respond to any questions we had. They showed up on time the day they were scheduled to and were able to finish the job that same day. I would highly recommend Seaport Roofing to anyone needing roof work.

Matt Griffin

After the recent hailstorm in Richmond Hill, Kyle came out less than 24 hours later to personally take a look at the damage on our house. He moved his schedule so he could then meet our home insurance company when they came out to assess our home. He was easy to work with, had everything done ahead of schedule, gave clear instructions on what to do and not to do and was extremely accommodating while we waiting for our insurance company to do their part. The roof looks great and I would highly recommend Kyle and his team to anyone.

Stephanie G.

Kyle and his crew are very professional. He was able to diagnose and correct my roofing issues in no time at all. He’s very professional in his approach and in the way he deals with his customers. I shopped around to find a roofer to fix my problem, and I must say he was far more professional than the others I talk to. His prices are reasonable and his crew cleans up when they’re done. I highly recommend him for your roofing needs.

John Gernatt

Seaport Roofing did a phenomenal job repairing our roof. Their management was responsive, polite and helpful through the entire process. The team that came to work the house was prompt, completed the roof to standard in one day and were a class act to deal with! I would work with them again and recommend them to any other person needing roof repairs. Timely, affordable and very easy to work with! 5 stars from us.

Steven Beckman

Kyle and the team over at Seaport did a fantastic job replacing our business's roof. They were detail oriented, quick to respond, did what they said they were going to do and showed up on schedule. Overall, they did an outstanding job!

Brian Harn

Cannot say enough good things about this place. With so many different roofing companies, you never know what you're going to get. Trust the reviews on this one. Kyle and his team are thorough, attentive, efficient, and detail oriented. Would (and have already!) recommend Seaport to anyone needing a new roof.

Schumacher Family

Kyle responded to my request for an evaluation of a leak in my roof very quickly, we scheduled a time for him to come determine an appropriate resolution to my issue. It appears that components of my roof/flashing are beginning to fail, but instead of only giving me an option for replacement, he fixed the immediate issues buying me some time. I will be using Seaport Roofing to replace my roofing within the next couple of years!

Bill Herbes

I just had my roof replaced by Seaport Roofing. I live on the west coast and was unable to see the before roof. Within one day they came out and gave me an estimate on my roof replacement. They took pictures of my problem areas and called me and gave me a break down of my options. After the roof estimate was given and the decision was made to replace the roof, it was complete in a few days. During the installation, I was receiving text and pictures of the process.the price was below average of some of the other local companies.

Bryan Morrissey

Owner Kyle is a great guy and very hands-on. Great communicator and sticks to his word. He and his crew did wonderful work repairing our roof leak including taking down our chimney. Completed the work quickly and as scheduled. Will definitely be calling him again for a full roof replacement in a few years.

Matt Tilson

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