- Hurricanes
- Coastal wind
- Salt-air deterioration disputes
- Wind-driven rain
- Condo losses
Living with the Atlantic
Glynn County faces the ocean head-on. Properties on St. Simons Island, Sea Island and Jekyll Island are exposed to sustained coastal winds every hurricane season, and even storms that pass offshore can bring damaging wind and rain. Brunswick’s historic Old Town, with its Victorian homes and grid of squares, adds another category of property that requires careful pricing.
Coastal claims bring familiar arguments. Carriers may attribute roof and siding damage to salt-air deterioration or age rather than the storm. Named-storm deductibles can be substantial. And many coastal homes are insured through the Georgia Underwriting Association or surplus-lines carriers whose policy forms differ from standard homeowners policies.
Golden Isles claims we evaluate
- Wind damage versus long-term deterioration disputes.
- Condo association losses on island developments.
- Elevated homes with complex access and staging costs.
- Commercial buildings, hotels and restaurants in tourist areas.
- Historic homes in Old Town Brunswick.
Areas we cover
Brunswick and Old Town, St. Simons Island, Sea Island, Jekyll Island, Country Club Estates, Darien, Woodbine, Kingsland and St. Marys.
Services available in Brunswick & the Golden Isles
Every Georgia Insurance Appraiser service is available to property owners in Brunswick & the Golden Isles and the surrounding area, including:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial Claim Appraisal
- Hail & Roof Claim Appraisal
- Wind & Tornado Damage Appraisal
- Hurricane & Tropical Storm Appraisal
Questions from Brunswick & the Golden Isles property owners
My GUA policy — does it have an appraisal clause?
Most property policy forms, including many FAIR-plan forms, include an appraisal provision. Send us the policy and we’ll confirm what it says.
The carrier blamed my roof damage on salt air. Can appraisal help?
Causation disputes are complicated. When the carrier accepts that some storm damage occurred, appraisal can resolve the amount. Documentation of fresh, directional damage is key.